# EDGAR Filing Document

**Accession Number:** 0001802711
**File Stem:** 0001999371-26-002863
**Filing Date:** 2026-2
**Character Count:** 6898931
**Document Hash:** 4848026c32a04a75d86fa96a498ab9a8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-002863.hdr.sgml**: 20260209

**ACCESSION NUMBER**: 0001999371-26-002863

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

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20260209

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

**FILED AS OF DATE**: 20260209

**DATE AS OF CHANGE**: 20260209

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04995
- **FILM NUMBER:** 26610800

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

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

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

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

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

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

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

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

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

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

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

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

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

**FORM ABS-15G**

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

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

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

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

**VISTA POINT SECURITIZATION TRUST 2026-CES1**

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

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

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

Jim Malloy, (949) 333-3326

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

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | VISTA POINT ASSETS LLC | VISTA POINT ASSETS LLC |
| Date: February 9, 2026 | By: | /s/ Jim Malloy |
|  | Name: | Jim Malloy |
|  | Title: | Chief Operating Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[Schedule 6 – Maxwell ATR QM Report](ex995s6.htm)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**NARRATIVE**

**VSTA 2026-CES1**

**By Canopy Financial Technology Partners LLC on February 05, 2026**

Canopy Financial Technology Partners LLC

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

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

![](ex991001.jpg)

 **Description of Services**

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

The Review consisted of a population of six hundred twenty-three (623) Loans with an aggregate principal balance of $139,367,148.

**Loan Sampling** 

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

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

**Data Integrity** 

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

---

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

---

![](ex991001.jpg)

---

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

---

**Credit Underwriting** 

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

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

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](ex991001.jpg)

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

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

● Borrower(s) employment history;

● Citizenship and eligibility;

● First time home buyer status;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters; and/or

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

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

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

![](ex991001.jpg)

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

![](ex991001.jpg)

**Document Review** 

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

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

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

**Business Purpose Validation (when applicable)** 

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

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

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

![](ex991001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties,

![](ex991001.jpg)

---

| |
|:---|
| verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings; and |
| **Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. |

---

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

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

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

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

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

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

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

**State & Local Anti-Predatory Requirements** 

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

![](ex991001.jpg)

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

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

***Ability to Repay (ATR)***

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

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

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

**VALUATION REVIEW** 

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

![](ex991001.jpg)

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:** 

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

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

**Agency Eligible Loans:** 

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

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

**GRADING COMPONENTS**

 **Due Diligence Grading Criteria**

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

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

![](ex991001.jpg)

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

---

---

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

---

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

---

---

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

---

![](ex991001.jpg)

 considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms.

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

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

**FINDINGS SUMMARY**

 **Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 5.30% (33 Loans) have an overall grade of "B" and 94.70% (590 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 2.73%, or seventeen (17) loans reviewed, and 97.27% (606 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.96%, or six (6) loans reviewed, and 99.04% (617 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.16%, or one (1) loan reviewed, 46.71% (291 loans) have a Property/Valuation grade of "A", and 53.13% (331 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;590 | &nbsp;&nbsp;94.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;33 | &nbsp;&nbsp;5.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex991001.jpg)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;606 | &nbsp;&nbsp;97.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;2.73% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;617 | &nbsp;&nbsp;99.04% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;291 | &nbsp;&nbsp;46.71% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;331 | &nbsp;&nbsp;53.13% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**46.87%** |

---

 **Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;623 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$139367148.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$139367148.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;623 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$139367148.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$139367148.00** |

---

![](ex991001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—Proceeds used to pay off existing loans other than loans secured by real estate | &nbsp;&nbsp;16 | &nbsp;&nbsp;2.57% | &nbsp;&nbsp;$2884730.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.69% | &nbsp;&nbsp;$4493527.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;583 | &nbsp;&nbsp;93.58% | &nbsp;&nbsp;$131630891.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.16% | &nbsp;&nbsp;$358000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$139367148.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.96% | &nbsp;&nbsp;$474538.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;24 | &nbsp;&nbsp;3.85% | &nbsp;&nbsp;$2859085.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;18 | &nbsp;&nbsp;2.89% | &nbsp;&nbsp;$2938574.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;575 | &nbsp;&nbsp;92.30% | &nbsp;&nbsp;$133094951.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$139367148.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;484 | &nbsp;&nbsp;77.69% | &nbsp;&nbsp;$104686938.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;14 | &nbsp;&nbsp;2.25% | &nbsp;&nbsp;$4338433.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;125 | &nbsp;&nbsp;20.06% | &nbsp;&nbsp;$30341777.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**623** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$139367148.00** |

---

![](ex991001.jpg)

**DATA COMPARISON RESULTS**

Of the six hundred twenty-three (623) Loan files reviewed, two hundred eighty-six (286) unique loans (45.91% by number) had three hundred eighty-two tape comparison discrepancies across twenty-five (25) data fields.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;6 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;B1 Country Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;20 | &nbsp;&nbsp;623 | &nbsp;&nbsp;3.21% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;13 | &nbsp;&nbsp;623 | &nbsp;&nbsp;2.09% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;623 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;7 | &nbsp;&nbsp;623 | &nbsp;&nbsp;1.12% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;3 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.48% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;48 | &nbsp;&nbsp;623 | &nbsp;&nbsp;7.70% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.32% |

---

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;9 | &nbsp;&nbsp;623 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;32 | &nbsp;&nbsp;623 | &nbsp;&nbsp;5.14% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;198 | &nbsp;&nbsp;623 | &nbsp;&nbsp;31.78% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;623 | &nbsp;&nbsp;0.16% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;15 | &nbsp;&nbsp;623 | &nbsp;&nbsp;2.41% |

---

**Disclaimer**

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

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

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

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

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

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| 13472994 |  | 13472994 C A | Closed | FCOM4227 | 2025-07-07 13:51 | 2025-07-17 16:27 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received missing LEs/CDs - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. - Seller-07/16/2025 <br> Counter-A revised Loan Estimate issued xxx that had not been previously provided, has been received. However, the Initial Closing Disclosure dated xxx, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-07/16/2025 <br> Ready for Review-Document Uploaded. - Seller-07/15/2025 <br> Counter-A revised Closing Disclosure issued xxx that had not been previously provided, has been received. However, the Initial Closing Disclosure dated xxx, has not been provided. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-07/11/2025 <br> Ready for Review-Document Uploaded. - Seller-07/10/2025 <br> Counter-Documentation provided does not include the Initial Closing Disclosure --- Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/10/2025 <br> Ready for Review-Document Uploaded. - Seller-07/09/2025 <br> Open-\*\*\*\* Initial Closing Disclosure (required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower. - Due Diligence Vendor-07/08/2025 | Ready for Review-Document Uploaded. - Seller-07/16/2025 <br>Ready for Review-Document Uploaded. - Seller-07/15/2025 <br>Ready for Review-Document Uploaded. - Seller-07/10/2025 <br>Ready for Review-Document Uploaded. - Seller-07/09/2025<br>| Resolved-\*\*\*Received missing LEs/CDs - Due Diligence Vendor-07/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.38 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.27 Are Greater Than The Guideline Minimum Of 4 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.71% Is Less Than The Guideline Maximum Of 43% By Five Percent (5%) Or More | Initial closing disclosure is missing | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 4692727 |
| 18200084 |  | 18200084 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17511304 |  | 17511304 C A | Closed | FCRE1193 | 2025-09-10 13:05 | 2025-09-29 12:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 21.2% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/29/2025 <br> Resolved-Updated REO worksheet - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. They are forgetting the Subject is an Investment property see below using Rental income of xxx<br> The xxx is their Primary PITI <br> See attached<br> xxx<br> - Seller-xxx <br> Counter-Document Uploaded. The Audited Income is xxx / The 1003 & 1008 provided does not include the 1st Lien Payment on the Subject property as this is a 2nd mortgage lien. Total Rent loss for Subject Loan is xxx vs Lenders xxx - Updated 1008 reflecting Audited DTI of 23.66% is needed. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see self emp income worksheet attached , 2 "S" corporations total income of xxx<br> And attached URLA all pages of the REO's and rental income. The D/R in encompass is accurate at 18.788% <br>xxx - xxx<br> - Seller-09/25/2025 <br> Counter-Updated 1008 reflects Lenders DTI as 18.788% however Audited DTI is 23.66% - Subject Rent loss is xxx / all other REO rent loss is xxx + Consumer Debts xxx + Primary xxx = xxx - Lenders total payments is xxx - Updated 1008 reflecting Audited DTI of 23.66% is needed. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. see attached updated 1008 - Seller-09/16/2025 <br> Counter-Document Uploaded. Apologies for the confusion, it appears to be coming from xxx xxx- those 2 properties have a monthly HOA of xxx what is not being reflected on the Final 1003 totals. Updated DTI now at 23.66% vs Lenders 17.182% - Due Diligence Vendor-09/12/2025 <br> Ready for Review-ALL documentation for these properties was provided in the CLOSED-LOAN Pkg, please review starting on page 168 - 254 of 862! Please be advised that some of the properties are vacant land or not developed on yet, therefore there won't be any HOI/HOA. Thank you! - Seller-09/11/2025 <br> Open-- Missing hoi, HOA and property tax statements for xxx. used amount off 1040's for taxes xxx/12= xxx & HOA xxx/12= xxx to include in total pitia<br> - Missing hoa statement forxxx per 1040's pg 662. used amount off 1040's xxx/12= xxx/mo to include in total pitia<br> - Missing HOA statement for xxx. using amount of 1040's xxx/12= xxx to add to PITIA.<br> - Missing HOA statement for xxx. used amount of 1040's xxx/12= xxx to include in total pitia<br> - Missing HOI & property taxes for xxx. using amounts of 1040's pg 663 . HOi xxx/12=xxx. Property taxes xxx/12 = xxx<br> - Missing HOi and property tax statemetns for xxx. going off 1040's pg 663 hoi xxx/12= xxx and property tax xxx/12= xxx to verify PITIA<br> DTI discrepancy (audit 27.59% vs lender 17.18%) due to missing information.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. They are forgetting the Subject is an Investment property see below using Rental income of $xxx<br> The xxx is their Primary PITI <br> See attached<br> xxx<br> - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Please see self emp income worksheet attached , 2 "S" corporations total income of $18,575.05<br> And attached URLA all pages of the REO's and rental income. The D/R in encompass is accurate at 18.788% <br>xxx<br> xxx<br> - Seller-09/25/2025 <br> Ready for Review-Document Uploaded. see attached updated 1008 - Seller-09/16/2025 <br> Ready for Review-ALL documentation for these properties was provided in the CLOSED-LOAN Pkg, please review starting on page 168 - 254 of 862! Please be advised that some of the properties are vacant land or not developed on yet, therefore there won't be any HOI/HOA. Thank you! - Seller-09/11/2025 | Resolved-Audited DTI of 21.2% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/29/2025 <br>Resolved-Updated REO worksheet - Due Diligence Vendor-09/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.57 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 56.53 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 60.48% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5486915 |
| 13594727 |  | 13594727 C B A | Closed | finding-651 | 2025-09-15 08:55 | 2025-09-29 09:35 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Finance Charge Test | Cured-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br> Resolved-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please find the attached copy of refund check fo xxx and payment history showing xxx has been applied as principal reduction for cure. - Seller-09/26/2025 <br> Counter-\*\*\*Received PCCD and LOE. Cure package is incomplete. LOE details a total of xxx for the Appraisal fee, Tax Service fee, and a partial amount for the Document Preparation fee has been refunded to the borrower. Lender to provide method of refund, if a check was mailed to the borrower then lender needs to provide a copy of the refund check and proof of delivery. Additional cure totaling xxx in relation to the finance charge has been issued in the form of a principal reduction. Lender to provide evidence of application of the principal reduction such a payment ledger and/or screen print evidencing the same. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-09/25/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-09/18/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are:(enter charges shown in CE report). Tax Service Fee paid by Borrower: xxx+ MERS Registration Fee paid by Borrower: xxx + Verification Of Employment Fee paid by Borrower: xxx+ Settlement or Closing Fee paid by Borrower: xxx + Closing Protection Letter Fee paid by Borrower: xxx + Courier / Messenger Fee paid by Borrower: xxx + Recording Service Fee paid by Borrower: xxx + Title Services Fee paid by Borrower: xxx + Prepaid Interest paid by Borrower: xxx Total Fees xxx.Items required for EV2: Letter of Explanation, Proof of Restitution, Disclosed Correct Information, reissued right to cancel and Proof of Delivery.\*\*\*\*\*\*\*\*\*\*\*\*\* please note - the Final Closing Disclosure provided is not executed and does not reflect the finance charge as shown in the Loan Detail report provided?? Had TPR been provided the actual Closing Disclosure from Consummation or the PCCD? - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please find the attached copy of refund check fo $675.00 and payment history showing $265.81 has been applied as principal reduction for cure. - Seller-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Cured-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br>Resolved-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.35 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.21% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5532994 |
| 13594727 |  | 13594727 C B A | Closed | finding-2504 | 2025-09-15 08:55 | 2025-09-29 09:35 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br> Resolved-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br> Resolved- - Due Diligence Vendor-09/29/2025 <br> Open- - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please find the attached copy of refund check fo xxx and payment history showing xxx has been applied as principal reduction for cure. - Seller-09/26/2025 <br> Counter-\*\*\*Received PCCD and LOE. Cure package is incomplete. LOE details a total of xxx for the Appraisal fee, Tax Service fee, and a partial amount for the Document Preparation fee has been refunded to the borrower. Lender to provide method of refund, if a check was mailed to the borrower then lender needs to provide a copy of the refund check and proof of delivery. Additional cure totaling xxx in relation to the finance charge has been issued in the form of a principal reduction. Lender to provide evidence of application of the principal reduction such a payment ledger and/or screen print evidencing the same. - Due Diligence Vendor-09/25/2025 <br> Open- - Due Diligence Vendor-09/25/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-09/25/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-09/18/2025 <br> Open-\*\*\* Compliance review indicates a Finance Charge variance of xxx. Fees included in testing are:(enter charges shown in CE report). Tax Service Fee paid by Borrower: xxx+ MERS Registration Fee paid by Borrower: xxx + Verification Of Employment Fee paid by Borrower: xxx + Settlement or Closing Fee paid by Borrower: xxx + Closing Protection Letter Fee paid by Borrower: xxx + Courier / Messenger Fee paid by Borrower: xxx + Recording Service Fee paid by Borrower: xxx + Title Services Fee paid by Borrower: xxx + Prepaid Interest paid by Borrower: xxx Total Fees xxx. Items required for EV2: Letter of Explanation, Proof of Restitution, Disclosed Correct Information, reissued right to cancel and Proof of Delivery.\*\*\*\*\*\*\*\*\*\*\*\*\* please note - the Final Closing Disclosure provided is not executed and does not reflect the finance charge as shown in the Loan Detail report provided?? Had TPR been provided the actual Closing Disclosure from Consummation or the PCCD? - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please find the attached copy of refund check fo $675.00 and payment history showing $265.81 has been applied as principal reduction for cure. - Seller-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Cured-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025 <br>Resolved-\*\*\*Received PCCD, LOE, proof of principal reduction. - Due Diligence Vendor-09/29/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.35 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.21% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5532999 |
| 13594727 |  | 13594727 C B A | Closed | finding-3625 | 2025-09-15 08:55 | 2025-09-25 10:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-\*\*Received executed copy of the Final CD and PCCD. - Due Diligence Vendor-09/25/2025 <br>Resolved- - Due Diligence Vendor-09/25/2025 <br>Open- - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-09/18/2025 <br>Open-\*\*\*\*\*\*\*\* Closing Disclosure contains charges paid to lender for third party fees in section B. - Due Diligence Vendor-09/15/2025 <br>Open- - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-\*\*Received executed copy of the Final CD and PCCD. - Due Diligence Vendor-09/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.35 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.21% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5532998 |
| 13594727 |  | 13594727 C B A | Closed | FCOM2786 | 2025-09-15 08:58 | 2025-09-25 10:36 | Resolved | 1 - Information C A | Compliance | TRID | RESPA 0% tolerance violation | Resolved-\*\*Received executed copy of the Final CD. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-\*\*\*\*\*\* An appraisal charge in the amount of xxx was charges to the borrower, however, there is no evidence that an Appraisal was performed. 0% tolerance cure in the amount of xxx is required. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-\*\*Received executed copy of the Final CD. - Due Diligence Vendor-09/25/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.35 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 44.21% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5533045 |
| 17286639 |  | 17286639 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 14810254 |  | 14810254 D A | Closed | FCRE8639 | 2025-09-15 06:26 | 2025-10-01 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Personal Guaranty is Missing | Resolved-Personal Guaranty is Present. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Personal Guaranty is missing. . Provide Personal Guaranty signed by the borrower as an individual as the borrower signed the Note and Deed under xxx. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Personal Guaranty is Present. - Due Diligence Vendor-10/01/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5531854 |
| 14810254 |  | 14810254 D A | Closed | FCRE1440 | 2025-09-16 07:50 | 2025-09-19 09:47 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Provide borrowers rental history with confirmation of xxx monthly as seen on the final 1003. Guidelines, Sec 6.5 Housing history shows, Borrowers must have satisfactory mortgage and/or rent payment history in the three (3) years prior to loan application. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5548946 |
| 14810254 |  | 14810254 D A | Closed | FCRE1316 | 2025-09-15 08:44 | 2025-09-19 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/19/2025 <br> Resolved-Lender provided - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Provide verification of borrowers ownership and employment as required per guidelines with xxx as no documentation other than bank statements was provided at the time of review. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/19/2025 <br>Resolved-Lender provided - Due Diligence Vendor-09/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5532815 |
| 14810254 |  | 14810254 D A | Closed | FCRE1294 | 2025-09-16 07:57 | 2025-09-19 09:45 | Resolved | 1 - Information C A | Credit | Income | Income 3 Months Income Verified is Missing | Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/19/2025 <br> Resolved-Lender provided additional information. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Income 3 Months Income Verified is Missing . Provide documentation to support rents used of xxx to offset PITIA for property located at xxx as seen on the final 1003. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Income 3 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-09/19/2025 <br>Resolved-Lender provided additional information. - Due Diligence Vendor-09/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5549027 |
| 14810254 |  | 14810254 D A | Closed | FCRE7347 | 2025-09-16 07:55 | 2025-09-19 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lender provided additional information. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-. Provide documentation to support rents used of xxx with 2 months recent received to off set the subject PITIA located at xxx as seen on the final 1003. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Lender provided additional information. - Due Diligence Vendor-09/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5549007 |
| 14810254 |  | 14810254 D A | Closed | FCRE1145 | 2025-09-15 07:27 | 2025-09-19 09:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Title Document is missing . Provide title commitment for the subject property at xxx with complete chain as it was not provided at the time of review. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5532144 |
| 14810254 |  | 14810254 D A | Closed | FCRE1157 | 2025-09-15 07:28 | 2025-09-17 12:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Missing Hazard Insurance Policy . Provide homeowners insurance for subject property xxx with adequate coverage and premium. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.22% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5532155 |
| 16624514 |  | 16624514 D A | Closed | FCOM1227 | 2025-09-16 07:40 | 2025-09-17 07:19 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. dot with all riders - Buyer-09/16/2025 <br> Open-PUD Rider is Missing Deed and riders are missing from file - Due Diligence Vendor-09/16/2025 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5548826 |
| 16624514 |  | 16624514 D A | Closed | FCOM1229 | 2025-09-16 07:40 | 2025-09-17 07:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved- - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. dot with all riders - Buyer-09/16/2025 <br> Open-xxx is Missing Deed is missing from file and so are riders - Due Diligence Vendor-09/16/2025 |  |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5548825 |
| 16624514 |  | 16624514 D A | Closed | FCOM1220 | 2025-09-15 13:34 | 2025-09-17 07:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. dot with all riders - Buyer-09/16/2025 <br>Open-The Deed of Trust is Missing Deed of Trust are in file for previous loans but not for are transaction - Due Diligence Vendor-09/15/2025 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-09/17/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5539775 |
| 18019385 |  | 18019385 D A | Closed | FCRE1326 | 2025-09-15 04:45 | 2025-09-17 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. signed p & l - Buyer-09/16/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing. - Due Diligence Vendor-09/15/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5531549 |
| 18019385 |  | 18019385 D A | Closed | FCRE5790 | 2025-09-15 04:51 | 2025-09-17 14:08 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. credit refresh pulled xxx - Buyer-xxx<br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Per guidelines must be 15 days from note date of xxx. gap report xxx - Due Diligence Vendor-09/15/2025 |  | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.67 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5531560 |
| 17507936 |  | 17507936 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16185878 |  | 16185878 C A | Closed | FCRE1443 | 2025-09-15 16:50 | 2025-09-18 20:40 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Expired | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Attached updated xxx statement. The next quarterly statement is not out til month end. <br>Thank you!<br> xxx<br>- Seller-09/17/2025 <br> Open-Asset 2 Expired xxx account found on pg 227 with an ending balance of xxx is expired good through xxx, the Note date is xxx - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Attached updated TSP statement. The next quarterly statement is not out til month end. <br>Thank you!<br> xxx<br> xxx<br>- Seller-09/17/2025 | Resolved-Asset 2 Not Expired Or Not Applicable - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.7% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 79.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.81 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5544204 |
| 13717157 |  | 13717157 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11015266 |  | 11015266 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16475771 |  | 16475771 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17742699 |  | 17742699 C B A | Closed | FPRO7466 | 2025-09-16 09:49 | 2025-09-19 10:26 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Lender exception for AVM < 90% (89%) - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Counter-Missing xxx Approved Exception for AVM Confidence Score is 89%. Guidelines require 90% or higher. the Email chain provided is cutoff on the right side. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-AVM Confidence Score is 89%. Guidelines require 90% or higher. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Waived-Lender exception for AVM < 90% (89%) - Due Diligence Vendor-09/19/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.12% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | FICO 756<br> < 69% LTV<br> 112 months reserves | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5550533 |
| 14603631 |  | 14603631 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18457852 |  | 18457852 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17705233 |  | 17705233 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11824585 |  | 11824585 C B A | Closed | finding-3408 | 2025-09-17 00:54 | 2025-10-03 08:07 | Cured | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br> Cured- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-responded to another comment - Buyer-10/02/2025 <br> Open- - Due Diligence Vendor-09/20/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Rescinded-Non QM - Due Diligence Vendor-09/17/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 |  | Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br>Cured- - Due Diligence Vendor-10/03/2025 <br>Rescinded-Non QM - Due Diligence Vendor-09/17/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 1943 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.24 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.24 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5563133 |
| 11824585 |  | 11824585 C B A | Closed | finding-3406 | 2025-09-17 00:54 | 2025-10-03 08:07 | Cured | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Pre-Loan Counseling Date Test | Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br> Cured- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-responded to another comment - Seller-10/02/2025 <br> Open- - Due Diligence Vendor-09/20/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Rescinded-HPML Compliant - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-responded to another comment - Seller-10/02/2025<br>| Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br>Cured- - Due Diligence Vendor-10/03/2025 <br>Rescinded-HPML Compliant - Due Diligence Vendor-09/17/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 1943 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.24 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.24 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5563134 |
| 11824585 |  | 11824585 C B A | Closed | finding-3393 | 2025-09-17 00:54 | 2025-10-03 08:07 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br> Cured- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-responded to another comment - Seller-10/02/2025 <br> Open- - Due Diligence Vendor-09/20/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is xxx or more, and the transaction's total points and fees is xxx, which exceeds 5 percent of the total loan amount of xxx; orThe loan amount is less than xxx and the transaction's total points and fees is xxx, which exceeds the lesser of 8 percent of the total loan amount of xxx or xxx. - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-responded to another comment - Seller-10/02/2025<br>| Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br>Cured- - Due Diligence Vendor-10/03/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 1943 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.24 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.24 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5563145 |
| 11824585 |  | 11824585 C B A | Closed | finding-3399 | 2025-09-17 00:54 | 2025-10-03 08:07 | Cured | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | High-Cost Mortgage Timing of Disclosure Test | Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br> Cured- - Due Diligence Vendor-10/03/2025 <br> Resolved- - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. Please see attached and escalate to xxx. - Seller-10/02/2025 <br> Open- - Due Diligence Vendor-09/20/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Rescinded-Non QM - Due Diligence Vendor-09/17/2025 <br> Open-Please send CE report/ initial undiscounted rate for review - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 <br> Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-09/17/2025 <br> Open- - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see attached and escalate to xxx. - Seller-10/02/2025<br>| Cured-(h) Corrections and unintentional violations. A creditor or assignee in a high-cost mortgage, as defined in § 1026.32(a), who, when acting in good faith, failed to comply with any requirement under section 129 of the Act will not be deemed to have violated such requirement if the creditor or assignee satisfies either of the following sets of conditions: (1) (i) Within 30 days of consummation or account opening and prior to the institution of any action, the consumer is notified of or discovers the violation; (ii) Appropriate restitution is made within a reasonable time; and (iii) Within a reasonable time, whatever adjustments are necessary are made to the loan or credit plan to either, at the choice of the consumer: (A) Make the loan or credit plan satisfy the requirements of 15 U.S.C. 1631-1651; or (B) Change the terms of the loan or credit plan in a manner xxxeficial to the consumer so that the loan or credit plan will no longer be a high-cost mortgage. \*\*\*\*\* Copy of borrower choice, refund check, PCCD, LOE and Proof of delivery provided - Due Diligence Vendor-10/03/2025 <br>Cured- - Due Diligence Vendor-10/03/2025 <br>Rescinded-Non QM - Due Diligence Vendor-09/17/2025<br>| Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 1943 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.24 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.24 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5563146 |
| 11885335 |  | 11885335 D A | Closed | FCOM1274 | 2025-09-17 16:05 | 2025-09-18 10:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Escrow Waiver is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-"\*\*\*\*\*\*\*\* Final Closing Disclosure Page 4 escrow indicator failed to indicate ""borrower declined"" or ""Lender does not offer""." - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.67 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.51 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5576187 |
| 13298236 |  | 13298236 C A | Closed | finding-2962 | 2025-09-18 03:06 | 2025-09-20 11:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/20/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-\*\*Unable to confirm loan is HPML compliant. Lender to provide evidence the appraisal was provided to the borrower at least 3 business days prior to closing. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <br>Open-This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the California Financial Code.While the California Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 25.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.52 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.52 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5580384 |
| 13298236 |  | 13298236 C A | Closed | finding-3352 | 2025-09-18 03:06 | 2025-09-20 11:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/20/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-\*\*Unable to confirm loan is HPML compliant. Lender to provide evidence the appraisal was provided to the borrower at least 3 business days prior to closing. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-09/18/2025 <br>Open- - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 25.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.52 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.52 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5580388 |
| 13653861 |  | 13653861 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14579865 |  | 14579865 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10985250 |  | 10985250 D A C | Closed | FCRE1145 | 2025-09-17 18:50 | 2025-09-22 13:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-Title Document is missing Provide the Title Commitment for the subject property. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.29% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5578642 |
| 10985250 |  | 10985250 D A C | Closed | FCRE1180 | 2025-09-17 19:02 | 2025-09-22 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-HO-6 Insurance Policy is Missing. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.29% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5578705 |
| 10985250 |  | 10985250 D A C | Closed | FPRO1245 | 2025-09-18 11:51 | 2025-09-22 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.29% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5587164 |
| 10985250 |  | 10985250 D A C | Closed | FCOM4227 | 2025-09-18 11:55 | 2025-09-22 08:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-Initial CD is missing<br>Documentation provided does not contain the______________________________________. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/22/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.29% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5587254 |
| 14075622 |  | 14075622 C A | Closed | FCRE1332 | 2025-09-18 16:32 | 2025-10-03 10:57 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/02/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Borrower 1's paystubs provided on page 345 reflect less than 30 days of earnings. Per guidelines, paystubs must cover a full 30-day period; however, the documentation submitted includes only two weeks of income. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-10/03/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.72% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 16.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 41.39% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5592567 |
| 19127558 |  | 19127558 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14780942 |  | 14780942 D A C | Closed | FCOM4227 | 2025-09-19 07:55 | 2025-09-26 10:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial CD. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-\*\*\*Received - Due Diligence Vendor-09/26/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5597435 |
| 14780942 |  | 14780942 D A C | Closed | FCRE5782 | 2025-09-18 11:48 | 2025-09-25 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines require A GAP report within 30 days of the Note date. Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5587072 |
| 14780942 |  | 14780942 D A C | Closed | FVAL1310 | 2025-09-18 11:04 | 2025-09-25 11:05 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Subject is 3 Unit condo hence condo questionnaire/condo review is not required, we will treat this as SFR. - Seller-09/25/2025 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-09/18/2025 | Ready for Review-Subject is 3 Unit condo hence condo questionnaire/condo review is not required, we will treat this as SFR. - Seller-09/25/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5585238 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1503 | 2025-09-19 16:16 | 2025-09-25 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Mortgage statement for xxx (xxx) to confirm inclusion of escrows is missing from the file. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5607307 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1145 | 2025-09-18 10:57 | 2025-09-25 11:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Title Document is missing - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5585078 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1173 | 2025-09-18 11:18 | 2025-09-25 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Missing | Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5585795 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1180 | 2025-09-18 13:33 | 2025-09-25 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO-6 Insurance Policy is Missing | Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5589196 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1316 | 2025-09-19 16:07 | 2025-09-25 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5607207 |
| 14780942 |  | 14780942 D A C | Closed | FCRE1325 | 2025-09-19 16:07 | 2025-09-25 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Borrower 1 CPA Letter Missing Guidelines require if business operates < standard expense factor, P&L or expense letter from CPA, CTEC or EA required. Expense factor used was 15% was less than the standard of 50%. CPA is missing from the file. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-09/25/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.71 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5607208 |
| 13128705 |  | 13128705 D A | Closed | FCOM5454 | 2025-09-19 12:00 | 2025-09-23 05:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Note is missing or unexecuted | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-1st lien note is missing which was recently refinanced First Deed of Trust, executed by Borrower(s) to record, in favor of xxx<br> (xxx) to secure a promissory note in the amount of xxx - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-09/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.09 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.09 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.09 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.09 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.69% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 37.69% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years Borrower At Current Residence For Five (5) Or More Years - 18.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5603051 |
| 12230572 |  | 12230572 D A | Closed | FCRE1157 | 2025-09-19 09:58 | 2025-09-26 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-The HOI Policy does not reflect an annual premium amount and mortgage statement reflects total escrows as xxx which also matches the Tax Cert annual xxx/ 12 = xxx - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5598996 |
| 12230572 |  | 12230572 D A | Closed | FCRE1503 | 2025-09-22 09:51 | 2025-09-24 10:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-REO Mortgage statements provided (escrowed) - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-1) Missing mortgage statement for subject property's 1st lien with xxx to confirm inclusion of escrows. <br> 2) Missing mortgage property for xxx to confirm inclusion of escrows. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-REO Mortgage statements provided (escrowed) - Due Diligence Vendor-09/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5616440 |
| 12230572 |  | 12230572 D A | Closed | FCRE1145 | 2025-09-19 09:46 | 2025-09-24 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Title Document is missing - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-09/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5598779 |
| 12230572 |  | 12230572 D A | Closed | FCRE5116 | 2025-09-22 22:08 | 2025-09-24 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOM for subject's first mortgage with xxx. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-09/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5628781 |
| 12230572 |  | 12230572 D A | Closed | FCRE1316 | 2025-09-22 22:37 | 2025-09-24 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5628822 |
| 10920872 |  | 10920872 C A | Closed | FCRE5047 | 2025-09-19 10:41 | 2025-09-24 10:19 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Updated Title Policy provided. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Final Title Policy attached - Seller-09/23/2025 <br> Open-Title commitment amount of xxx is less than the mortgage amount of xxx. - Due Diligence Vendor-09/19/2025 | Ready for Review-Final Title Policy attached - Seller-09/23/2025<br>| Resolved-Updated Title Policy provided. - Due Diligence Vendor-09/24/2025<br>| Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.24% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5600101 |
| 16570566 |  | 16570566 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17716735 |  | 17716735 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14027176 |  | 14027176 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18437390 |  | 18437390 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12107145 |  | 12107145 D A | Closed | FCRE7347 | 2025-09-19 09:30 | 2025-10-06 11:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease agreement provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Document Uploaded. missing Lease Agreement for xxx - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-provide lease agreement for property xxx and xxx - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Lease agreement provided. - Due Diligence Vendor-10/06/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.80 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.38 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.84 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 63.85% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 6.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5598532 |
| 13559406 |  | 13559406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11584602 |  | 11584602 B A | Closed | FCRE1183 | 2025-09-19 15:06 | 2025-09-29 14:18 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-09/29/2025 <br> Open-1008/Underwriting Summary Partially Provided As per final 1008 ,the appraised value is xxx but as per appraisal report and tape data it is incorrect resulting in an incorrect LTV , please provide the corrected 1008 . - Due Diligence Vendor-09/19/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5606285 |
| 13460539 |  | 13460539 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18688487 |  | 18688487 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15089033 |  | 15089033 D A | Closed | FCRE1161 | 2025-09-22 09:58 | 2025-09-29 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. Thanks - Buyer-09/29/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-09/22/2025 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.46 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.46 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5616563 |
| 11101438 |  | 11101438 D A C | Closed | FCRE5782 | 2025-09-23 09:17 | 2025-09-26 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Borrower 1 Gap Credit Report is Missing GAP credit required d if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. Note date xxx, credit date xxx...31 days - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5632358 |
| 11101438 |  | 11101438 D A C | Closed | FCRE5783 | 2025-09-23 09:17 | 2025-09-26 09:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Borrower 2 Gap Credit Report is Missing GAP credit required d if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. Note date xxx, credit date xxx...31 days - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5632359 |
| 11101438 |  | 11101438 D A C | Closed | finding-3634 | 2025-09-22 08:08 | 2025-09-26 09:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025 <br> Resolved- - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5614994 |
| 11101438 |  | 11101438 D A C | Closed | finding-3631 | 2025-09-22 08:08 | 2025-09-26 09:00 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025 <br> Resolved- - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-\*\*\*\*\* Findings in relation to \*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5614995 |
| 11101438 |  | 11101438 D A C | Closed | finding-3632 | 2025-09-22 08:08 | 2025-09-26 09:00 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025 <br> Resolved- - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-\*\*\*\*\* Findings in relation to \*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing.<br> - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/23/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-09/22/2025 <br> Open- - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-\*\*\*Received COC - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 63.79% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5614996 |
| 14532995 |  | 14532995 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17174189 |  | 17174189 D A | Closed | FPRO1242 | 2025-09-23 13:58 | 2025-09-24 08:03 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Appraisal is Missing 1025 Appraisal missing from the file. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-09/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.24 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.23 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.23 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24.00 Years Borrower At Current Residence For Five (5) Or More Years - 24.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 43.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 27.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.63% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More Original CLTV Of 42.63% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5638496 |
| 11920823 |  | 11920823 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19548692 |  | 19548692 D A C | Closed | FPRO1242 | 2025-09-24 06:55 | 2025-09-26 13:01 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Counter-Missing PDI from file, Per Equity Solution Guidelines: Non-HPML Primary/ 2nd Home/ Investment Property - Loan amounts < xxx AVM with a 90% Confidence Factor and a "Property Condition Inspection" from required. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Appraisal is Missing in file - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-09/26/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 44.64 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.67 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5648877 |
| 19548692 |  | 19548692 D A C | Closed | FCOM4227 | 2025-09-24 11:03 | 2025-09-26 10:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*\*Received ICD - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the INITIAL CLOSING DISCLOSER~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br>- Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-\*\*\*Received ICD - Due Diligence Vendor-09/26/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 44.64 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.67 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5652171 |
| 19548692 |  | 19548692 D A C | Closed | FCRE7497 | 2025-09-24 08:18 | 2025-09-26 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees and Mortgage Statement for property xxx - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>|  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 44.64 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.67 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5649622 |
| 19548692 |  | 19548692 D A C | Closed | FCRE1182 | 2025-09-24 07:51 | 2025-09-26 07:42 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 44.64 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 44.67 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5649364 |
| 17542561 |  | 17542561 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11139114 |  | 11139114 C B A | Closed | finding-697 | 2025-09-24 12:05 | 2025-11-20 15:38 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | GAFLA 3/2003 High Cost Home Loan Points and Fees Threshold Test | Cured-\*\*\*\*Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check in the amount of xxx on xxx and xxx on xxx, specific LOE(s), PCCD(s) and proof of delivery(s), provided. Thank you - Due Diligence Vendor-11/20/2025 <br> Resolved- - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/20/2025 <br> Counter-\*\*\*\*Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check in the amount of xxx, specific LOE, PCCD and proof of delivery. ---- However, PCCD includes a CPL (APR) charge not previously disclosed. Refund in the amount of xxx is now insufficient, an additional xxx is required - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-11/17/2025 <br> Open-This loan has terms that exceed the high-cost home loan points and fees threshold. (GA SB 53 7-6A-2(7),(17)(B))The total points and fees payable in connection with the loan, excluding not more than two bona fide discount points, exceed:5 percent of the total loan amount if the total loan amount is xxx or more.The lesser of 8 percent of the total loan amount or xxx if the total loan amount is less than xxx. \*\*The loan failed the GAFLA 3/2003 HIGH COST HOME LOAN POINTS AND FEES THRESHOLD TEST. Variance amount xxx - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 <br> Open- - Due Diligence Vendor-09/24/2025 | additional GA HC refund of points and fees overcharge - 11/20/2025 <br>GA HC refund of points and fees overcharge - 11/17/2025 <br>| Cured-\*\*\*\*Unintentional violation or bona fide error due to points and fees charged. Lender issued a restitution check in the amount of xxx on xxx and xxx on xxx, specific LOE(s), PCCD(s) and proof of delivery(s), provided. Thank you - Due Diligence Vendor-11/20/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5656867 |
| 19293600 |  | 19293600 D A | Closed | FCOM1206 | 2025-09-24 00:18 | 2025-09-29 08:08 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-The Note is Missing - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-09/29/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5646955 |
| 15910143 |  | 15910143 A | Buyer | FCRE1467 | 2025-09-25 14:27 | 2025-09-26 18:18 | Ready for Review | 1 - Information A | Credit | Missing Doc - Assets | Asset 1 Missing | Ready for Review-Document Uploaded. Please note that there are no assets required for stand alone seconds. As such, I have deleted the assets from the final 1003. See attached 1003 and VPM Equity Matrix - Seller-09/26/2025 <br> Rescinded-Cash-out used as reserves. - Due Diligence Vendor-09/26/2025 <br> Open-Asset 1 Missing The 1003 reflects a retirement account Principal xxx with a balance of xxx. The file is missing this account statement. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. Please note that there are no assets required for stand alone seconds. As such, I have deleted the assets from the final 1003. See attached 1003 and VPM Equity Matrix - Seller-09/26/2025<br>| Rescinded-Cash-out used as reserves. - Due Diligence Vendor-09/26/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.62 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.43 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5675157 |
| 15008082 |  | 15008082 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16360233 |  | 16360233 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16731878 |  | 16731878 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15117043 |  | 15117043 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10503727 |  | 10503727 D A | Closed | FCRE1329 | 2025-09-24 08:20 | 2025-10-02 08:36 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Borrower 1 W2/1099 Are 24 or More Months Provided - Due Diligence Vendor-09/26/2025 <br>Resolved- - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Borrower 1 W2/1099 Less Than 24 Months Provided - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Borrower 1 W2/1099 Are 24 or More Months Provided - Due Diligence Vendor-09/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | Borrower 1 W2/1099 Less Than 24 Months Provided | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5649639 |
| 10503727 |  | 10503727 D A | Closed | FCRE1336 | 2025-09-25 11:01 | 2025-10-02 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Award Letter Missing | Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Borrower 1 Award Letter Missing Documentation supporting non-educational VA xxxefits is missing from the file. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Borrower 1 Award Letter Resolved - Due Diligence Vendor-09/26/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 32.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5670687 |
| 11394260 |  | 11394260 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15172984 |  | 15172984 D A | Closed | FCRE1316 | 2025-09-24 01:00 | 2025-09-26 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Third-party Verification of Employment (VOE) for Borrower 1, required prior to closing, is missing from the file. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 14.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.70 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 66.95% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.71 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5647100 |
| 15172984 |  | 15172984 D A | Closed | FCRE1330 | 2025-09-24 01:00 | 2025-09-26 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Borrower 1 Paystubs Missing Pay stubs for Borrower 1 are missing from the file. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 14.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.70 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 66.95% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.71 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5647101 |
| 15172984 |  | 15172984 D A | Closed | FCRE1328 | 2025-09-24 01:00 | 2025-09-26 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Borrower 1 W2/1099 Missing W-2 form for Borrower 1 is missing from the file. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-09/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 14.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.70 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 66.95% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.71 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5647102 |
| 17904542 |  | 17904542 D A | Closed | FCRE1467 | 2025-09-24 19:16 | 2025-09-29 08:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Asset 1 Missing A statement for Chase xxx listed on the final 1003 reflecting a balance of xxx is missing from the file. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.49% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5664176 |
| 17904542 |  | 17904542 D A | Closed | FCOM1206 | 2025-09-24 18:09 | 2025-09-29 08:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-The Note is Missing - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-09/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.49% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5663024 |
| 13941428 |  | 13941428 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15199188 |  | 15199188 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14161088 |  | 14161088 C A | Closed | finding-47 | 2025-09-25 06:19 | 2025-09-30 07:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/30/2025 <br> Resolved- - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-09/30/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 80.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 80.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.94 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.94 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.00 Years Borrower At Current Residence For Five (5) Or More Years - 16.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.83% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 69.83% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5666808 |
| 18439505 |  | 18439505 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19151372 |  | 19151372 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11341272 |  | 11341272 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16867938 |  | 16867938 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19434123 |  | 19434123 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11590098 |  | 11590098 D A | Closed | FCRE1342 | 2025-09-25 08:04 | 2025-10-01 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. See the attached Bank Stmts - Seller-09/30/2025 <br> Open-Borrower 1 Business Bank Statements Missing from account ending in xxx used to calculate income - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. See the attached Bank Stmts - Seller-09/30/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.88 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.88 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.88 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.88 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 767 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5667752 |
| 16411087 |  | 16411087 C B A | Closed | FCOM1797 | 2025-09-29 00:46 | 2025-10-01 11:23 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL provided - Due Diligence Vendor-10/01/2025 <br>Ready for Review-submitted on another condition - Buyer-09/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-09/30/2025 |  | Resolved-SPL provided - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5696408 |
| 16411087 |  | 16411087 C B A | Closed | FCOM1266 | 2025-09-29 00:46 | 2025-10-01 11:22 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-09/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-09/30/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5696406 |
| 16411087 |  | 16411087 C B A | Closed | FPRO7466 | 2025-09-30 11:57 | 2025-10-01 07:50 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: Min AVM Confidence Score on Heloans 90% - subject - 89% - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. see attaached exception - Buyer-09/30/2025 <br>Open-AVM Confidence Score is 89. Guidelines require 90 or higher. Provide full appraisal. - Due Diligence Vendor-09/30/2025 |  | Waived-Exception granted with supporting comp factors: Min AVM Confidence Score on Heloans 90% - subject - 89% - Due Diligence Vendor-10/01/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.62 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | History dating back to 2021, No Lates reported<br> Max - 50%, Subject <41%<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5720259 |
| 18722915 |  | 18722915 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12225750 |  | 12225750 B A | Closed | FCOM1797 | 2025-09-29 07:30 | 2025-10-01 11:20 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-SPL provided - Due Diligence Vendor-10/01/2025 <br>Ready for Review-responded to another condition - Buyer-09/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-09/30/2025 <br>Open-Missing Service Provider List - Due Diligence Vendor-09/29/2025 |  | Resolved-SPL provided - Due Diligence Vendor-10/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 22.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.41 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 61.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5698607 |
| 12225750 |  | 12225750 B A | Closed | FCOM1266 | 2025-09-29 07:29 | 2025-10-01 11:19 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-09/30/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-09/30/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-09/29/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/01/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 22.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.41 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.41 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 61.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.33 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5698602 |
| 19126126 |  | 19126126 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17104910 |  | 17104910 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14395918 |  | 14395918 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17423810 |  | 17423810 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 19741117 |  | 19741117 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10511234 |  | 10511234 D A | Closed | FCRE1764 | 2025-09-30 17:05 | 2025-10-02 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Statement provided confirming P&I payment. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Its listed at the bottom of page 4 - Seller-10/01/2025 <br> Open-Missing Mortgage statement for First mortgage with xxx to validate subject P&I payment and balance. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Its listed at the bottom of page 4 - Seller-10/01/2025<br>| Resolved-Statement provided confirming P&I payment. - Due Diligence Vendor-10/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Valiated Months Reserves Of 27.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Valiated Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Valiated Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Valiated Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5725536 |
| 10511234 |  | 10511234 D A | Closed | FCOM1206 | 2025-09-26 12:48 | 2025-10-02 07:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-The Note is Missing - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-10/02/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Valiated Months Reserves Of 27.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Valiated Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Valiated Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Valiated Calculated DTI Of 13.86% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5687915 |
| 13106110 |  | 13106110 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12431616 |  | 12431616 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11739064 |  | 11739064 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18041685 |  | 18041685 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16405786 |  | 16405786 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14013979 |  | 14013979 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19398023 |  | 19398023 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 11625605 |  | 11625605 D A | Closed | FCRE1316 | 2025-09-26 06:42 | 2025-10-02 11:14 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5681705 |
| 11625605 |  | 11625605 D A | Closed | FCRE1292 | 2025-09-26 06:42 | 2025-10-02 11:14 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Income 1 Months Income Verified is Missing As per Tap data Income type is full documentation however no paystubs and W-2's are not provided in the file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5681706 |
| 11625605 |  | 11625605 D A | Closed | FCRE1293 | 2025-09-26 06:42 | 2025-10-02 11:14 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Income 2 Months Income Verified is Missing As per Tap data Income type is full documentation however no paystubs and W-2's are not provided in the file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 731 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5681707 |
| 11625605 |  | 11625605 D A | Closed | FCRE1437 | 2025-09-26 06:42 | 2025-10-02 11:14 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Income and Employment Do Not Meet Guidelines As per Tap data Income type is full documentation however no paystubs and W-2's are not provided in the file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-10/02/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5681708 |
| 17339088 |  | 17339088 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10599214 |  | 10599214 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10444342 |  | 10444342 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12156996 |  | 12156996 C A | Closed | FCRE1159 | 2025-09-30 03:33 | 2025-10-02 11:59 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. The policy you are looking at is the renewal. here is the previous policy. - Buyer-10/01/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. - Due Diligence Vendor-09/30/2025 |  | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-10/02/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.82% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5713065 |
| 10987210 |  | 10987210 C A | Closed | FCRE9488 | 2025-09-30 14:36 | 2025-10-01 13:22 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-updated 1003 now reflecting Investment property - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. see attached. it was a typo - Buyer-09/30/2025 <br>Open-Property appears to be an investment property however Final 1003 says borrower intends to owner occupy. - Due Diligence Vendor-09/30/2025 |  | Resolved-updated 1003 now reflecting Investment property - Due Diligence Vendor-10/01/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.68 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5723010 |
| 12958669 |  | 12958669 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19989544 |  | 19989544 B A | Closed | FCRE1200 | 2025-09-30 00:18 | 2025-10-01 07:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender exception approved and under doc pg #377. Excpetion is for loan amount under xxx and allowing a loan amount of xxx minimum. - Due Diligence Vendor-10/01/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Lender exception approved and under doc pg #377. Excpetion is for loan amount under $100k and allowing a loan amount of xxx minimum. - Due Diligence Vendor-10/01/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.63 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.62 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1) History dating back to 2012. No lates reported. <br> 2) DTI Max - 50% Subject - <20% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5712200 |
| 18320936 |  | 18320936 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13783417 |  | 13783417 C A | Closed | FVAL1628 | 2025-09-30 02:04 | 2025-10-02 14:44 | Resolved | 1 - Information C A | Property | Property Issue | No HOA fees on appraisal and property identified as a PUD | Resolved-Corrected Appraisal showing PUD and annual HOA fees of xxx - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Please see corrected appraisal referencing PUD and confirming the HOA amount. Thank you! - Seller-10/02/2025 <br> Open-HOA Dues are Missing for Subject Property.DOT & Final 1003 Showing Subject Property(xxx) as PUD & Dues also reflect in Final 1003 Lender Loan Information (L3) HOA Dues xxx, PUD Rider also Present, but in Appraisal not check PUD, dues also not there & 1008, Zillow Showing Single Family Residence. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see corrected appraisal referencing PUD and confirming the HOA amount. Thank you! - Seller-10/02/2025<br>| Resolved-Corrected Appraisal showing PUD and annual HOA fees of xxx - Due Diligence Vendor-10/02/2025 | Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.60 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 29.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 13.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 42.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5712676 |
| 15686310 |  | 15686310 D A | Closed | FVAL1310 | 2025-09-29 07:10 | 2025-10-26 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-10/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 25.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5698407 |
| 12741526 |  | 12741526 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13971314 |  | 13971314 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 13065850 |  | 13065850 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19687975 |  | 19687975 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12376157 |  | 12376157 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15115050 |  | 15115050 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11615817 |  | 11615817 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 19241360 |  | 19241360 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10880019 |  | 10880019 D A | Closed | FCRE1316 | 2025-10-01 04:58 | 2025-10-07 08:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please find the attached document. - Seller-10/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please find the attached document. - Seller-10/06/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.53% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5729014 |
| 18958850 |  | 18958850 D A | Closed | FCRE1145 | 2025-09-30 04:10 | 2025-10-03 09:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/03/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/02/2025 <br>Open-Title Document is missing - Due Diligence Vendor-09/30/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-10/03/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 40.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 43.99% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5713200 |
| 19996505 |  | 19996505 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19750890 |  | 19750890 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19734575 |  | 19734575 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19961414 |  | 19961414 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13347963 |  | 13347963 C A | Closed | FCRE1344 | 2025-09-30 09:08 | 2025-10-06 10:05 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-xxx Bank statement provided. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Borrower 1 Business Bank Statements Feb. 2025 month is missing in the file of xxx #xxx - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Feb 2025 Bank statement provided. - Due Diligence Vendor-10/06/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.83 Years Borrower At Current Residence For Five (5) Or More Years - 12.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 26.55% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.39 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.39 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.38 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.38 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.13 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5715534 |
| 14672615 |  | 14672615 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15055992 |  | 15055992 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 11259844 |  | 11259844 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17261267 |  | 17261267 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19941402 |  | 19941402 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14897941 |  | 14897941 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14721491 |  | 14721491 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14002923 |  | 14002923 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12610071 |  | 12610071 C B A | Closed | FCRE5779 | 2025-10-01 13:53 | 2025-10-07 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 2 Credit Report is Expired | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by one day by the time the note is drawn. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. See attached exception that was approved during underwriting and was in the loan file. - Buyer-10/06/2025 <br>Open-Borrower 2 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-10/01/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by one day by the time the note is drawn. - Due Diligence Vendor-10/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.36% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Max - 90% Subject - 67.4%<br> Max -50% Subject - 37.4%<br> Borrower is paying off all outstanding debt besides the first mortgage | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5738517 |
| 12610071 |  | 12610071 C B A | Closed | FCRE5778 | 2025-10-01 13:53 | 2025-10-07 13:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by one day by the time the note is drawn. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Attached exception was in the loan file. - Buyer-10/06/2025 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-10/01/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by one day by the time the note is drawn. - Due Diligence Vendor-10/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.36% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Max - 90% Subject - 67.4%<br> Max -50% Subject - 37.4%<br> Borrower is paying off all outstanding debt besides the first mortgage | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5738516 |
| 13070084 |  | 13070084 D A | Closed | FCOM1206 | 2025-10-01 10:46 | 2025-10-07 08:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Note was in the file - Buyer-10/06/2025 <br>Open-The Note is Missing in The File - Due Diligence Vendor-10/01/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-10/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 54.34 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 37.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5733801 |
| 14140380 |  | 14140380 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17610521 |  | 17610521 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10203815 |  | 10203815 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13887773 |  | 13887773 D A | Closed | FCRE1347 | 2025-10-01 10:43 | 2025-10-07 08:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attahed. - Buyer-10/06/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing Borrower 2 3rd Party VOE Prior to Close. - Due Diligence Vendor-10/01/2025 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/07/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.41% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.82 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.67 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.46 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5733745 |
| 17036030 |  | 17036030 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17574354 |  | 17574354 C A | Closed | finding-47 | 2025-10-03 16:17 | 2025-10-08 10:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-10/08/2025 <br> Resolved- - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-10/08/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.93 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.83 Years Borrower At Current Residence For Five (5) Or More Years - 17.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or Moreated Calculated DTI Of 41.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5772103 |
| 17082736 |  | 17082736 C A | Closed | finding-47 | 2025-10-07 11:01 | 2025-10-16 08:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-ALTA provided - Due Diligence Vendor-10/16/2025 <br> Resolved- - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-\*\*\*Received copy of unexecuted CD issued xxx, same copy is in the original file. The loan documents indicate the loan closed on xxx. Lender to provide confirmation of accurate funding/disbursement date. Lender can provide a PCCD, executed copy of the Final Settlement Statement or title company certified copy of the same. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. The loan was funded on xxx. Please see attached CD dated xxx showing funding date of xxx. - Seller-10/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/07/2025 <br> Open- - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. The loan was funded on xxx. Please see attached CD dated xxx showing funding date of xxx. - Seller-10/08/2025 | Resolved-ALTA provided - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5802859 |
| 13746075 |  | 13746075 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 16906720 |  | 16906720 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13614159 |  | 13614159 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16122082 |  | 16122082 D A | Closed | FCRE1503 | 2025-10-03 10:50 | 2025-10-09 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. see attached - Buyer-10/08/2025 <br> Open-Provide mortgage statement for the property "xxx". - Due Diligence Vendor-10/03/2025 |  | Resolved-Mortgage statement (escrowed) provided. - Due Diligence Vendor-10/09/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5765857 |
| 16017647 |  | 16017647 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18564334 |  | 18564334 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11521131 |  | 11521131 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11089483 |  | 11089483 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18328147 |  | 18328147 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12210192 |  | 12210192 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18951676 |  | 18951676 D A | Closed | FCRE0360 | 2025-10-09 19:08 | 2025-10-14 11:51 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Bank statements provided. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/13/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. CBR last reporting date for REO properties covers though xxx & does not show that REO'S are current through closing month; xxx xxx & xxx xxx. - Due Diligence Vendor-10/09/2025 |  | Resolved-Bank statements provided. - Due Diligence Vendor-10/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5846107 |
| 18951676 |  | 18951676 D A | Closed | FCRE1764 | 2025-10-03 08:25 | 2025-10-14 11:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement provided. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/13/2025 <br> Open-Mortgage Statement is missing for "xxx' this property. - Due Diligence Vendor-10/03/2025 |  | Resolved-Mortgage statement provided. - Due Diligence Vendor-10/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5763351 |
| 13353580 |  | 13353580 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10502205 |  | 10502205 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10220030 |  | 10220030 D A | Closed | FCRE5786 | 2025-10-09 17:22 | 2025-10-14 11:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Incomplete | Resolved-Mortgage statement provided. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/13/2025 <br> Open-Borrower 1 Gap Credit Report is Partially Present. Gap report pulled xxx shows reported date of xx on two MTG accounts, missing proof other 2 mtg's are paid update through xxx. xxx xxx & xxx xxx. - Due Diligence Vendor-10/09/2025 |  | Resolved-Mortgage statement provided. - Due Diligence Vendor-10/14/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.71% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.07 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5844814 |
| 12050840 |  | 12050840 D A | Closed | FCOM1233 | 2025-10-09 21:18 | 2025-10-20 09:27 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Open-The Final 1003 is Incomplete F1003 missing subject property value and existing 1st mortgage loan information. Demographic Information section 8 application taken in person questions were answered YES to<br> Was the ethnicity of the Borrower collected on the basis of visual observation or surname?<br> Was the sex of the Borrower collected on the basis of visual observation or surname?<br> Was the race of the Borrower collected on the basis of visual observation or surname? - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.64 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 45.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.08% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5846589 |
| 15464575 |  | 15464575 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11064826 |  | 11064826 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18375487 |  | 18375487 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18214352 |  | 18214352 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10419180 |  | 10419180 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12793095 |  | 12793095 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12753013 |  | 12753013 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 16805695 |  | 16805695 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 13796217 |  | 13796217 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19987861 |  | 19987861 D A | Closed | FCRE5770 | 2025-10-06 06:59 | 2025-10-13 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.74 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5779757 |
| 19987861 |  | 19987861 D A | Closed | FCRE5782 | 2025-10-06 06:59 | 2025-10-13 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.74 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5779758 |
| 19987861 |  | 19987861 D A | Closed | FCRE5771 | 2025-10-06 06:59 | 2025-10-13 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-10/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.74 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5779759 |
| 19987861 |  | 19987861 D A | Closed | FCRE5783 | 2025-10-06 06:59 | 2025-10-13 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/13/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.72% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.74 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5779760 |
| 10178749 |  | 10178749 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12986186 |  | 12986186 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16677477 |  | 16677477 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10846055 |  | 10846055 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19830397 |  | 19830397 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11058290 |  | 11058290 B A | Closed | FVAL9739 | 2025-10-10 16:48 | 2025-10-10 16:48 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Approved exception provided with comp factors for Ag zoning for property, which is in<br> xxx. Zoning common for this area. Property not used for Ag purposes. - Due Diligence Vendor-10/10/2025 |  | Waived-Approved exception provided with comp factors for Ag zoning for property, which is in<br> xxx. Zoning common for this area. Property not used for Ag purposes. - Due Diligence Vendor-10/10/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 24.42 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 79.79% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 38.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.74 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.75 Years | Borrower has owned property for 25 years. Multiple accounts with history dating back to 2007. No<br> lates reported 0X30X216. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5861566 |
| 18909028 |  | 18909028 B A | Closed | FCRE1200 | 2025-10-07 10:10 | 2025-10-10 19:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Approved exception with comp factors to Allow for xxx loan amount with guideline minimum xxx. - Due Diligence Vendor-10/07/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Approved exception with comp factors to Allow for xxx loan amount with guideline minimum $100k. - Due Diligence Vendor-10/07/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.7% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Mtg housing 0X30X43 since 2021. Established tradelines still recently open/active since 2013<br> with no lates reported. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5801763 |
| 18594782 |  | 18594782 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17269620 |  | 17269620 D A | Closed | FCRE1202 | 2025-10-10 14:36 | 2025-10-16 10:26 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Third Party Fraud Report Partially Provided missing some of the pages clearing participants of the loan - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-10/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 56.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5859098 |
| 10076975 |  | 10076975 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10863066 |  | 10863066 D A | Closed | FCRE1201 | 2025-10-08 09:49 | 2025-10-16 10:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-Missing Third Party Fraud Report Provide Third Party Fraud Report for the Subject Property at xxx. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5818610 |
| 10863066 |  | 10863066 D A | Closed | FCRE5782 | 2025-10-08 11:25 | 2025-10-16 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide GAP Credit Report with in the 30 days from the Note Date. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5820784 |
| 10863066 |  | 10863066 D A | Closed | FCRE5783 | 2025-10-08 11:25 | 2025-10-16 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Provide GAP Credit Report with in the 30 days from the Note Date. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5820785 |
| 18232158 |  | 18232158 B A | Closed | FCRE1200 | 2025-10-08 00:11 | 2025-10-10 06:12 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender exception for loan amount < xxx - Due Diligence Vendor-10/08/2025 | Page 170 OCR - 10/10/2025 <br>| Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Lender exception for loan amount xxx - Due Diligence Vendor-10/08/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.5% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Low LTV, max is 75%<br> 0 x 30 Housing history<br> Active credit history since 2008 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5814563 |
| 13998801 |  | 13998801 C A | Closed | FCOM9028 | 2025-10-10 18:35 | 2025-10-13 10:03 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Cash to Close (page 1) is incomplete or inaccurate | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/13/2025 <br>Open- - Due Diligence Vendor-10/10/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 | Final CD in file dated 10/01/2025 is missing page 5 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5863119 |
| 18884594 |  | 18884594 D A | Closed | FCRE5770 | 2025-10-08 07:52 | 2025-10-14 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/13/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/08/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.23 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.24 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5816879 |
| 10268598 |  | 10268598 B A | Closed | FCRE1200 | 2025-10-09 00:59 | 2025-10-12 11:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Exception for loan amount under min required of xxx approved for a loan amount of xxx. Exception under doc pg #243-244 - Due Diligence Vendor-10/09/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Exception for loan amount under min required of xxx approved for a loan amount of xxx. Exception under doc pg #243-244 - Due Diligence Vendor-10/09/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1) LTV Max 80% Subject 71%<br> 2) Mtg History dating back to 2013 <br> 3) No lates reported on any of the trades |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5831902 |
| 16909556 |  | 16909556 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18033255 |  | 18033255 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19462969 |  | 19462969 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13682110 |  | 13682110 D A | Closed | FCRE1157 | 2025-10-08 16:52 | 2025-10-14 12:31 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.50 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.16 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5827877 |
| 12094205 |  | 12094205 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15238706 |  | 15238706 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19932912 |  | 19932912 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15317954 |  | 15317954 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18432627 |  | 18432627 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14506748 |  | 14506748 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 15772480 |  | 15772480 D A | Closed | FCRE1316 | 2025-10-13 05:17 | 2025-10-27 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5868497 |
| 15772480 |  | 15772480 D A | Closed | FCRE1330 | 2025-10-13 05:42 | 2025-10-27 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-Borrower 1 Paystubs Missing Adam Paystubs Missing in file - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5868566 |
| 15772480 |  | 15772480 D A | Closed | FCRE1328 | 2025-10-13 05:42 | 2025-10-27 15:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Open-Borrower 1 W2/1099 Missing Adam W2/1099 Missing for 1 year or 2 year - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5868567 |
| 14633203 |  | 14633203 D A | Closed | FCRE1145 | 2025-10-09 04:22 | 2025-10-16 11:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.34 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.35 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5832729 |
| 14058578 |  | 14058578 D A | Closed | FCRE5782 | 2025-10-10 00:59 | 2025-10-24 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.98 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5847812 |
| 14058578 |  | 14058578 D A | Closed | FCRE2109 | 2025-10-10 00:32 | 2025-10-17 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-10/17/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.98 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5847696 |
| 14787343 |  | 14787343 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19416839 |  | 19416839 B A | Closed | FCOM1797 | 2025-10-09 13:09 | 2025-10-14 07:50 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Initial Disclosure Package provided - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. here you go - Buyer-10/13/2025 <br>Open-\*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-10/13/2025 <br>Open-Service Provider List is Missing - Due Diligence Vendor-10/09/2025 |  | Resolved-Initial Disclosure Package provided - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.51 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.51 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5840104 |
| 19416839 |  | 19416839 B A | Closed | FCOM1266 | 2025-10-09 13:09 | 2025-10-14 07:50 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/14/2025 <br>Ready for Review-submitted to another comment - Buyer-10/13/2025 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-10/13/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/14/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.51 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.51 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 27% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5840091 |
| 11276911 |  | 11276911 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10767409 |  | 10767409 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13048286 |  | 13048286 C A | Closed | FPRO1136 | 2025-10-13 01:43 | 2025-10-29 14:43 | Resolved | 1 - Information C A | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Primary Value Subject Property Appraisal is not on an As-Is Basis and Completion Report (1004D) is not fully Present - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Primary Value for Subject Property Appraisal is completed on an As-Is Basis, the 1004D Completion Report is fully present, or Not Applicable - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 23.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 68.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.65 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.64 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.64 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower At Current Residence For Five (5) Or More Years - 5.50 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5867902 |
| 13048286 |  | 13048286 C A | Closed | finding-47 | 2025-10-13 06:37 | 2025-10-16 12:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br>Resolved- - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of 10/06/2025 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/14/2025 <br>Open- - Due Diligence Vendor-10/14/2025 <br>Open- - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 23.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 68.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.65 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.65 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.64 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.64 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower At Current Residence For Five (5) Or More Years - 5.50 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5868780 |
| 17551402 |  | 17551402 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10266795 |  | 10266795 D A | Closed | FCRE1161 | 2025-10-10 16:46 | 2025-10-16 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Missing Flood Certificate Flood cert was not in the file - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 26.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5861535 |
| 10686146 |  | 10686146 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10939916 |  | 10939916 C A | Closed | FPRO1250 | 2025-10-14 17:15 | 2025-10-29 10:42 | Resolved | 1 - Information C A | Property | Property Issue | Property Condition Rating Does Not Meet Program Requirements | Resolved-Unable to Resolve-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Attached is the property condition report - Seller-10/28/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-10/28/2025 <br>Open-Property condition inspection is required per guidelines. File only contains AVM report. - Due Diligence Vendor-10/14/2025 | Ready for Review-Attached is the property condition report - Seller-10/28/2025 <br>Unable to Resolve-Unable to Resolve-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Unable to Resolve-PDI with Images stating no related damage was provided. - Due Diligence Vendor-10/29/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.95% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.66 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.98 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.96 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.82% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5893870 |
| 17377228 |  | 17377228 C A | Closed | FCOM4227 | 2025-10-10 17:07 | 2025-10-16 12:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure . ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-ICD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 13.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5861905 |
| 17377228 |  | 17377228 C A | Closed | finding-47 | 2025-10-10 17:07 | 2025-10-16 08:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Resolved- - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.24 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.24 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 13.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.24 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5861906 |
| 18252340 |  | 18252340 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19607598 |  | 19607598 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11421907 |  | 11421907 D A | Closed | FCRE7497 | 2025-10-10 09:36 | 2025-10-17 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-xxx is vacant land, Updated 1008 provided. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected 1003. Total amount (taxes and insurance) was typed in incorrectly. Vacant land-no HOA. - Buyer-10/16/2025 <br> Open-Provide HOA Proof of payment $xxx/M for the REO Property " xxx". - Due Diligence Vendor-10/10/2025 |  | Resolved-xxx is vacant land, Updated 1008 provided. - Due Diligence Vendor-10/17/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5851380 |
| 13928595 |  | 13928595 C A | Closed | FCRE1183 | 2025-10-15 12:39 | 2025-10-17 10:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. We concur that the first mortgage payment is lower but please check your net loss figures. Was xxx omitted? - Buyer-10/16/2025 <br> Open-Per the 1008, First Mortgage P&I considered xxx but According to the Mortgage Statement Considered Principle and Interest causing DTI discrepancy of audit 41.71% vs lender 49.72%. - Due Diligence Vendor-10/15/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.71% Is Less Than The Guideline Maximum Of 65% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5904347 |
| 13928595 |  | 13928595 C A | Closed | FPRO1245 | 2025-10-10 16:00 | 2025-10-17 10:03 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-10/17/2025 <br> Resolved-Re-cert of Value provided stating: Market value for subject property has not declined since the effective date of prior appraisal. I previously appraised subject property on xxx and completion report on xxx no other services per formed on subject property in the past 3 years. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/16/2025 <br> Open-Primary Value Appraisal is Expired Appraisal and 442 dated xxx is expired. - Due Diligence Vendor-10/15/2025 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-10/17/2025 <br> Resolved-Re-cert of Value provided stating: Market value for subject property has not declined since the effective date of prior appraisal. I previously appraised subject property on xxx and completion report on xxx no other services per formed on subject property in the past 3 years. - Due Diligence Vendor-10/17/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.71% Is Less Than The Guideline Maximum Of 65% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5860734 |
| 18027744 |  | 18027744 C A | Closed | finding-3631 | 2025-10-14 09:39 | 2025-10-19 09:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025 <br> Resolved- - Due Diligence Vendor-10/19/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender's Title (paid to an affiliate) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5885170 |
| 18027744 |  | 18027744 C A | Closed | finding-3632 | 2025-10-14 09:39 | 2025-10-19 09:18 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025 <br> Resolved- - Due Diligence Vendor-10/19/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender's Title (paid to an affiliate) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5885171 |
| 18027744 |  | 18027744 C A | Closed | finding-3634 | 2025-10-14 09:39 | 2025-10-19 09:18 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025 <br> Resolved- - Due Diligence Vendor-10/19/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Lender's Title (paid to an affiliate) resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025<br>| Resolved-Payee corrected to non-affiliate - Due Diligence Vendor-10/19/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.15 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.28% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5885169 |
| 10130685 |  | 10130685 D A | Closed | FCRE1347 | 2025-10-13 07:47 | 2025-10-23 09:25 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE for CB1 reflects the borrower's name incorrectly at the top of the form (page 634); the form lists B1's name instead of CB1's. - Due Diligence Vendor-10/13/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-10/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.46% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5869267 |
| 10130685 |  | 10130685 D A | Closed | FCRE3978 | 2025-10-14 15:51 | 2025-10-23 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed & Dated CBR Inquires provided - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Counter-The Loan Inquires Document would need to be signed/dated by the borrowers - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Can you please clarify this condition? Why would they need to sign if its clear these inquiries are from this application? Please advise... - Seller-10/17/2025 <br>Open-B1 LOE page 132-133 shows that the inquiries were from this loan application(not executed by B1 or CB1); - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Ready for Review-Can you please clarify this condition? Why would they need to sign if its clear these inquiries are from this application? Please advise... - Seller-10/17/2025<br>| Resolved-Signed & Dated CBR Inquires provided - Due Diligence Vendor-10/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.46% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5892685 |
| 11747779 |  | 11747779 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10340012 |  | 10340012 C B A | Closed | FCRE3874 | 2025-10-10 17:15 | 2025-10-20 12:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Guidelines | Waived-Exception granted with supporting comp factors: we are submitting the property for exception with VPM since the acreage is xxx acres vs 10.<br> - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Counter-Apologies for the confusion, Per Guidelines Rural Properties require a max of 10 acres, however Subject property appraisal states xxx acres exceeding the guidelines max. Missing Approved Lender Exception from the file. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Can you please clarify this condition? - Seller-10/15/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program As per guidelines, Section 3.2.3, Rural property acceptable up to 10 acres, however appraisal document reflecting as xxx acres. Rural primary is eligible. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Ready for Review-Can you please clarify this condition? - Seller-10/15/2025<br>| Waived-Exception granted with supporting comp factors: we are submitting the property for exception with xxx since the acreage is xxx acres vs 10.<br> - Due Diligence Vendor-10/20/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 71.57% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 71.57% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 64.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.91 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.91 Years | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 5862035 |
| 13854637 |  | 13854637 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16884440 |  | 16884440 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19884830 |  | 19884830 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11255623 |  | 11255623 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13193116 |  | 13193116 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13601552 |  | 13601552 D A C | Closed | FCRE1145 | 2025-10-13 19:02 | 2025-10-16 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-title uploaded - Seller-10/15/2025 <br>Open-Title Document is missing - Due Diligence Vendor-10/13/2025 | Ready for Review-title uploaded - Seller-10/15/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5880716 |
| 13601552 |  | 13601552 D A C | Closed | FCRE5770 | 2025-10-14 11:22 | 2025-10-16 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5887082 |
| 13601552 |  | 13601552 D A C | Closed | FCRE5116 | 2025-10-14 11:22 | 2025-10-16 14:08 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing mortgage statement or VOM for subject property xxx - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5887086 |
| 13601552 |  | 13601552 D A C | Closed | FCRE1326 | 2025-10-14 11:04 | 2025-10-16 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5886622 |
| 13601552 |  | 13601552 D A C | Closed | FCRE1157 | 2025-10-14 10:54 | 2025-10-16 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. insurance policy - Seller-10/15/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. insurance policy - Seller-10/15/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5886465 |
| 13601552 |  | 13601552 D A C | Closed | finding-3352 | 2025-10-14 16:16 | 2025-10-16 09:05 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. \*\*\*Unable to determine if loan is HPML compliant. Missing evidence that borrower received a copy of the appraisal at least 3 business days prior to closing. - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.46 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 5893111 |
| 14105164 |  | 14105164 D B A C | Closed | FCRE1316 | 2025-10-13 09:34 | 2025-10-17 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/16/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-10/13/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/17/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5870503 |
| 14105164 |  | 14105164 D B A C | Closed | FCRE1183 | 2025-10-13 09:51 | 2025-10-17 11:36 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/16/2025 <br> Open-1008/Underwriting Summary Partially Provided Borrower Income is Incorrect in 1008. 1008 reflects xxx and 12-mos bank statements calculate to xxx. - Due Diligence Vendor-10/13/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/17/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5870753 |
| 14105164 |  | 14105164 D B A C | Closed | FPRO7466 | 2025-10-15 10:31 | 2025-10-17 11:35 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: Min AVM Confidence score - 90% Subject 88% - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached exception that was in the loan file. - Buyer-10/16/2025 <br>Open-AVM provided has a Confidence Score of 88%. Guidelines require 90% or higher. - Due Diligence Vendor-10/15/2025 |  | Waived-Exception granted with supporting comp factors: Min AVM Confidence score - 90% Subject 88% - Due Diligence Vendor-10/17/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.42% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 58.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 72.14% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.42 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years | LTV 90% - Subject 72.1%<br> Multiple mortgages, with history dating back to 2016, No lates reported on any of the trades. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | 5900614 |
| 12772709 |  | 12772709 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12546509 |  | 12546509 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15550686 |  | 15550686 C A | Closed | FCOM2276 | 2025-10-14 17:22 | 2025-10-16 10:04 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-CE not Run due to In Final Closing Disclosure Consummation date shows xxx however Disbursement date reflecting as xxx. Please provide PCCD with updated Disbursement date on or after Consummation date xxx.<br> - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5893948 |
| 15550686 |  | 15550686 C A | Closed | finding-47 | 2025-10-16 09:53 | 2025-10-16 10:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/16/2025 <br>Open- - Due Diligence Vendor-10/16/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5915130 |
| 15550686 |  | 15550686 C A | Closed | finding-3617 | 2025-10-16 09:53 | 2025-10-16 10:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025 <br>Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. - Due Diligence Vendor-10/16/2025 <br>Open- - Due Diligence Vendor-10/16/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/16/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 42.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 35.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 65.15% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.48 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.92 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.25 Years Borrower At Current Residence For Five (5) Or More Years - 7.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5915131 |
| 10555447 |  | 10555447 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19610896 |  | 19610896 D B C A | Closed | FCRE1199 | 2025-10-14 05:24 | 2025-10-20 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception granted with supporting comp factors: Max-xxx Subject - xxx New guidelines allow for the higher amount - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. I respectfully disagree with this finding but please find attached. - Buyer-10/17/2025 <br> Counter-Document Uploaded. Per Directive, Initial application date is xxx - CES guidelines dated xxx used - Max Loan amount is xxx - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. Loan was locked based on the matrix dated xxx. Incorrect guideline date was in the system. Loan locked on xxx - Buyer-10/16/2025 <br> Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx , Updated Loan amount as per GL - Due Diligence Vendor-10/14/2025 |  | Waived-Exception granted with supporting comp factors: Max-$750K Subject - xxx New guidelines allow for the higher amount - Due Diligence Vendor-10/20/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | DTI - Max - 50% Subject - 21%<br> LTV - Max - 90% Subject - 54% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5882873 |
| 19610896 |  | 19610896 D B C A | Closed | FCRE7497 | 2025-10-15 11:33 | 2025-10-17 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI provided - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached, which was included in the file and in the monthly payment - Seller-10/16/2025 <br> Open-Missing HOI for REOxxx (property has a mortgage/not owned free & clear and this expense will need to be added to the REO Income worksheet). - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Please see attached, which was included in the file and in the monthly payment - Seller-10/16/2025<br>| Resolved-HOI provided - Due Diligence Vendor-10/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5902079 |
| 19610896 |  | 19610896 D B C A | Closed | FCRE9814 | 2025-10-15 11:37 | 2025-10-17 09:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Trust Agreement missing or unexecuted | Resolved-Trust Agreement provided. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/16/2025 <br> Open-Missing the complete and fully executed trust agreement for "xxx". - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/16/2025<br>| Resolved-Trust Agreement provided. - Due Diligence Vendor-10/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5902143 |
| 19610896 |  | 19610896 D B C A | Closed | finding-47 | 2025-10-14 07:09 | 2025-10-17 07:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025 <br> Resolved- - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. see attached disbursement date of 10/10 - Seller-10/16/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. see attached disbursement date of 10/10 - Seller-10/16/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5883449 |
| 19610896 |  | 19610896 D B C A | Closed | FPRO1242 | 2025-10-15 11:28 | 2025-10-16 09:43 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/16/2025 <br> Open-Missing Full Appraisal (1004, 1025, 1073) for Loan Amount > $400k per GL. - Due Diligence Vendor-10/15/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-10/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.34 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 31.34 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5901950 |
| 17445707 |  | 17445707 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16021164 |  | 16021164 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16186634 |  | 16186634 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18020653 |  | 18020653 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15505918 |  | 15505918 C A | Closed | FCRE1195 | 2025-10-20 11:55 | 2025-10-20 12:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of 76.62% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-10/20/2025 |  | Resolved-Audited CLTV of 76.62% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-10/20/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.07 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.24 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5947446 |
| 18502315 |  | 18502315 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10247408 |  | 10247408 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19169406 |  | 19169406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12293337 |  | 12293337 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11941624 |  | 11941624 B A | Closed | FCOM1266 | 2025-10-16 09:38 | 2025-10-19 09:07 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/19/2025 <br>Ready for Review-Document Uploaded. see attached.<br> - Buyer-10/17/2025 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-10/16/2025 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/19/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.2% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.46% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5914912 |
| 13199675 |  | 13199675 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12337930 |  | 12337930 D A | Closed | FCRE7347 | 2025-10-17 15:17 | 2025-10-24 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-2023 Tax Returns provided - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/22/2025 <br> Counter-The Tax return in the loan file is a Business 2023 return (1120) and does not reflect the REO Properties used for rental calculations. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Rebut-full doc loan. Leases not required per xxx guidelines, which state Schedule E OR lease agreements. Tax returns were provided to document rental income. - Buyer-10/19/2025 <br> Open-Missing leases for the subject property & ADU as well as xxx, xxx, and xxx. - Due Diligence Vendor-10/17/2025 |  | Resolved-2023 Tax Returns provided - Due Diligence Vendor-10/24/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.79% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.43 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5935769 |
| 12337930 |  | 12337930 D A | Closed | FCRE1193 | 2025-10-17 15:12 | 2025-10-24 09:31 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.11% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/24/2025 <br> Open-Audited DTI of 52.23% exceeds Guideline DTI of 50% DTI Variance due to the Primary Housing expense increased from xxx to xxx. <br> Primary Housing Expense pages: 383 429 306 487;<br> 1st mtg xxx- xxx<br> 2nd mtg xxx xxx<br> HOI xxx/12= xxx<br> RE taxes xxx/12 = xxx<br> Total Housing payment - xxx PITI - Due Diligence Vendor-10/17/2025 |  | Resolved-Audited DTI of 49.11% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/24/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.79% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.43 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5935652 |
| 12337930 |  | 12337930 D A | Closed | FCRE1346 | 2025-10-17 15:18 | 2025-10-24 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 1040 Schedule E Missing | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached, which were in the loan file. - Buyer-10/20/2025 <br>Open-Missing a copy of B1 & CB1's 2023 1040 tax return with all schedules including Schedule E for the REO properties' income. - Due Diligence Vendor-10/17/2025 |  | Resolved-Borrower 1 1040 Schedule E Provided - Due Diligence Vendor-10/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.79% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.43 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5935778 |
| 16193343 |  | 16193343 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17614784 |  | 17614784 D A | Closed | FCRE1193 | 2025-10-20 08:25 | 2025-10-21 09:44 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 provided - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/20/2025 <br> Open-Primary Housing expense increased from xxx to xxx due to the escrow shortage amount of xxx. Income worksheet missed excluded xxx deposit (Apr 2025) and xxx payment xxx (p.362). Income variance (xxx vs. xxx) due to inclusion of non-business deposits causing DTI discrepancy of audit 37.70% vs lender 34.58%<br> - Due Diligence Vendor-10/20/2025 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-10/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.35 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5944434 |
| 17614784 |  | 17614784 D A | Closed | FCRE6737 | 2025-10-17 20:07 | 2025-10-21 09:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-CPA letter provided - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/20/2025 <br>Open-Confirmation that B1 has maintained a minimum of two years of continuous self-employment, supported by a valid business license or a statement from a CPA/corporate accountant verifying the same (per GL 8.5.3 - page 23) - Due Diligence Vendor-10/18/2025 |  | Resolved-CPA letter provided - Due Diligence Vendor-10/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.25 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.35 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 5938986 |
| 11762526 |  | 11762526 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16727095 |  | 16727095 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18617822 |  | 18617822 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11811691 |  | 11811691 C A | Closed | finding-47 | 2025-10-20 09:39 | 2025-10-22 10:21 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/22/2025 <br>Resolved- - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-10/21/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/20/2025 <br>Open- - Due Diligence Vendor-10/20/2025 <br>Open- - Due Diligence Vendor-10/20/2025 |  | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-10/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.34 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.27% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5945271 |
| 18259477 |  | 18259477 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12415478 |  | 12415478 D A | Closed | FCRE8138 | 2025-10-20 14:20 | 2026-01-29 17:14 | Resolved | 1 - Information C A | Credit | Income | DSCR is less than the guideline minimum | Resolved-Calculated DSCR of 1.130 meets guideline minimum DSCR of 1. - Due Diligence Vendor-01/28/2026 <br> Resolved-Lease Agreement & Proof of rent payments provided. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. The first mortgage is escrowed, and per our guidelines, the higher lease amt can be used with proof of receipt, which was received. Please see attached.<br> - Seller-10/21/2025 <br> Open-Possible pricing issue – Loan approval reflects a qualifying DSCR variance due to differences in income calculation. Qualifying DSCR based on lease rent receipts (June–August 2025, pages 85, 87, 96) is xxx ÷ PITIA xxx = 1.312 DSCR ratio, whereas the UW-audited DSCR is 0.8677, based on 1007/FMR rent of xxx ÷ PITIA xxx. PITI includes xxx (Loan xxx) PI payment of xxx, audited escrow of xxx (RE taxes xxx ÷ 12 = xxx; HOI xxx ÷ 12 = xxx), and proposed second mortgage payment of xxx. Confirmation of the xxx PITI payment is required to validate the final DSCR ratio and ensure accurate pricing determination. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. The first mortgage is escrowed, and per our guidelines, the higher lease amt can be used with proof of receipt, which was received. Please see attached.<br> - Seller-10/21/2025<br>| Resolved-Calculated DSCR of 1.130 meets guideline minimum DSCR of 1. - Due Diligence Vendor-01/28/2026 <br>Resolved-Lease Agreement & Proof of rent payments provided. - Due Diligence Vendor-10/22/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5949441 |
| 12415478 |  | 12415478 D A | Closed | FCRE1202 | 2025-10-20 14:22 | 2025-10-28 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved- - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 <br>Open-Risk Assessment does not include all the parties involved with the transaction. Updated report will need to include all parties including the settlement company/agent, appraisal companies/appraisers, borrower(s) AKAs and mortgage representatives/company. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025<br>|  |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5949458 |
| 12415478 |  | 12415478 D A | Closed | FCRE1503 | 2025-10-20 14:25 | 2025-10-22 13:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided reflecting next due xxx - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-10/21/2025 <br> Open-Missing Copy of first mortgage payment statement xxx xxx to Confirm Terms (Per GL - Current (within 60 days) first mortgage statement showing, o Current principal balance. o Fully amortized. o Term); - Due Diligence Vendor-10/20/2025 |  | Resolved-Mortgage statement provided reflecting next due xxx - Due Diligence Vendor-10/22/2025 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5949478 |
| 12415478 |  | 12415478 D A | Closed | FCOM1231 | 2025-10-20 14:30 | 2025-10-22 13:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 Provided - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-10/21/2025 <br> Open-Missing a copy of the initial 1003 dated xxx (corresponding with CBR date). - Due Diligence Vendor-10/20/2025 |  | Resolved-Initial 1003 Provided - Due Diligence Vendor-10/22/2025<br>|  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5949551 |
| 17930896 |  | 17930896 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13219455 |  | 13219455 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14710808 |  | 14710808 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14954327 |  | 14954327 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19213365 |  | 19213365 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16887576 |  | 16887576 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12545857 |  | 12545857 C A | Closed | finding-47 | 2025-10-20 02:06 | 2025-10-23 09:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/23/2025 <br> Resolved- - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/20/2025 <br> Open- - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 13.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.92 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.44 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5942824 |
| 19351412 |  | 19351412 D A C | Closed | FCRE1158 | 2025-10-20 20:54 | 2025-10-24 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Counter-Missing Annual Homeowners Insurance Premium from the Policy, - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Premium amount not given in hazard Insurance. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-10/24/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5952891 |
| 19351412 |  | 19351412 D A C | Closed | finding-47 | 2025-10-21 05:19 | 2025-10-23 09:10 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/21/2025 <br> Open- - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/23/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.43% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5954638 |
| 11154631 |  | 11154631 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13329377 |  | 13329377 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19776377 |  | 19776377 D A B | Closed | FCRE1182 | 2025-10-21 02:31 | 2025-10-23 15:00 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/22/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-10/21/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.92% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.33 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5954071 |
| 19776377 |  | 19776377 D A B | Closed | FPRO1242 | 2025-10-21 01:21 | 2025-10-23 14:59 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-10/22/2025 <br>Open-Appraisal is Missing - Missing 1004 (page 25 & 385) 1004 invoice in the file and lock/pricing agreement confirm 1004 appraisal type. - Due Diligence Vendor-10/21/2025 |  | Resolved-Appraisal has been provided - Due Diligence Vendor-10/23/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 37.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.53 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.92% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.33 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5953828 |
| 19345565 |  | 19345565 C A | Closed | FCRE0360 | 2025-10-20 22:37 | 2025-10-31 12:11 | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Lease agreement & Payment history provided. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-10/29/2025 <br>Open-Missing Rent verification for B1's primary residence - per GL 8.11.4 - A satisfactory housing payment history for the previous twelve (12) months is required for the borrower's primary residence, as well as the subject property if the loan is a refinance transaction. - Due Diligence Vendor-10/21/2025 |  | Resolved-Lease agreement & Payment history provided. - Due Diligence Vendor-10/31/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.32% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5953346 |
| 14646795 |  | 14646795 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10241345 |  | 10241345 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19007554 |  | 19007554 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13710862 |  | 13710862 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16817913 |  | 16817913 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16086720 |  | 16086720 C A | Closed | FCRE1501 | 2025-10-21 13:27 | 2025-10-29 10:01 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-Corrected 1003 provided - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Driver's License & DOB need to be updated:<br> 1) 1003 DOB xxx (page 550) is a mismatch to the Driver's License DOB xxx (not entirely ledgible - page 322) page 252 validates the discrepancy;<br>2) Driver's license is not entirely legible and a legible copy should be provided. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Corrected 1003 provided - Due Diligence Vendor-10/29/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.5% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.92 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5961016 |
| 16086720 |  | 16086720 C A | Closed | FVAL2477 | 2025-10-21 13:22 | 2025-10-29 10:00 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Missing a copy of the Appraiser's current License and E&O insurance which is in effect as of appraisal report date of xxx. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>|  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.5% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.92 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5960964 |
| 16086720 |  | 16086720 C A | Closed | FCRE1193 | 2025-10-21 13:12 | 2025-10-23 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Audited DTI of 50.04% exceeds Guideline DTI of 50% DTI variance due to HOA payment updated to xxx per appraisal report page 75 versus 1008 payment amount of xxx page 575. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Audited DTI of 49.34% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/23/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.5% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.92 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5960806 |
| 19914194 |  | 19914194 D A | Closed | FCRE1764 | 2025-10-22 06:28 | 2025-10-27 07:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement provided - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached. Doesn't show the balance you're asking for because the Sept payment hadn't been made yet. Soft pull shows the lower balance. - Buyer-10/24/2025 <br> Open-Provide the mortgage statement for the subject property, xxx, reflecting a balance of xxx and a monthly payment of xxx. - Due Diligence Vendor-10/22/2025 |  | Resolved-Mortgage statement provided - Due Diligence Vendor-10/27/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.38 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.35 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.22 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5968069 |
| 17926040 |  | 17926040 C A | Closed | finding-47 | 2025-10-22 08:52 | 2025-10-24 09:20 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-10/24/2025 <br> Resolved- - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-\*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/22/2025 <br> Open- - Due Diligence Vendor-10/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/22/2025 <br> Open- - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-10/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.21 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.48% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5969308 |
| 17497999 |  | 17497999 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12176032 |  | 12176032 C A | Closed | FCOM1264 | 2025-10-23 09:40 | 2025-10-27 11:08 | Resolved | 1 - Information C A | Compliance | TILA | Right of Rescission is Not Executed | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/25/2025 <br> Counter-Documentation is insufficient: ROR provided shows Transaction date xxx and expiration date of no later than midnight of xxx. Borrower signed xxx. The incorrect dates need to be corrected to actual consummation/expiration and initialed by borrower(s) - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Right of Rescission is Not Executed \*\*\*\*\*\* Right to Cancel executed after printed dates, did not have the transaction and expiration date corrected & initially by borrower - Due Diligence Vendor-10/23/2025 <br> Open-Right of Rescission is Not Executed ROR provided on page 460, 461 and Borrower signed on xxx however cancel date reflect xxx & Transaction dates reflect xxx, its before closing date. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/25/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 66.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5986745 |
| 15988752 |  | 15988752 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10832539 |  | 10832539 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16894050 |  | 16894050 D A C | Closed | FVAL9739 | 2025-10-23 15:13 | 2025-11-11 10:49 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Updated Appraisal now reflecting the correct address of xxx- Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-Provide explanation and/or documentation to reconcile the use of two roadway designations. The Appraisal Report identifies the property street location as xxx while the Note and all other documentation identifies the subject property address as xxx. Supporting documentation must clearly cite and correspond to each source. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Updated Appraisal now reflecting the correct address of xxx - Due Diligence Vendor-11/11/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5994309 |
| 16894050 |  | 16894050 D A C | Closed | FCRE9549 | 2025-10-23 15:17 | 2025-11-05 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-CBR supplement provided confirming xxx is duplicate collection debt - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Counter-Provided Processor Cert or Credit supplement verifying that its a duplicate account. AI generated response is not a sufficient documentation source. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-Pending documentation to verify that xxx is duplicate collection debt to xxx - otherwise xxx balance of xxx will need to be paid off per guidelines (GL 6.6.3). - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-CBR supplement provided confirming xxx Debt recovery xxx is duplicate collection debt - Due Diligence Vendor-11/05/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5994376 |
| 16894050 |  | 16894050 D A C | Closed | FVAL2477 | 2025-10-23 15:13 | 2025-10-29 10:55 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Missing E&O insurance for appraiser effective as of xxx date of the appraisal report. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>|  | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.71 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5994302 |
| 16609123 |  | 16609123 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13619588 |  | 13619588 D A | Closed | FCRE1193 | 2025-10-23 18:48 | 2025-10-31 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 reflecting Audited DTI of 44.557% provided. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-DTI variance existed prior to the QC Underwriter review. Additionally, a DTI variance is noted due to an escrow shortage added to the first mortgage payment — the original payment of xxx increased to xxx.<br>Audited escrow per 1008 (page 833) is xxx, derived from RE taxes of xxx ÷ 6 = xxx (page 468) plus HOI of xxx ÷ 12 = xxx (page 258). The first mortgage escrow amount of xxx (page 371) minus the audited escrow of xxx results in an escrow shortage of xxx, which was added to the payment, bringing the total to xxx. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Updated 1008 reflecting Audited DTI of 44.557% provided. - Due Diligence Vendor-10/31/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5997945 |
| 13619588 |  | 13619588 D A | Closed | FCRE1326 | 2025-10-23 18:18 | 2025-10-31 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/31/2025 <br>Open-Borrower 1 YTD Profit & Loss Missing Missing the CPA/CTEC/EA signed/prepared Profit and Loss Statement(s) covering the most recent 12 month period. January through August 2025 and 2024 is not executed per GL 8.8.3. - Due Diligence Vendor-10/23/2025 |  | Resolved-Borrower 1 YTD Profit & Loss Resolved - Due Diligence Vendor-10/31/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.78 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5997724 |
| 16710327 |  | 16710327 C A | Closed | FCRE1726 | 2025-10-22 18:41 | 2025-10-28 12:33 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-Valid Work Visas provided - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Borrower 1 & Borrower 2 are non-permanent resident alien, Additional proof work visa or passport is required. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Valid Work Visas provided - Due Diligence Vendor-10/28/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.61 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.61 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 75.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 18.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5980476 |
| 15586126 |  | 15586126 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 12940228 |  | 12940228 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11078492 |  | 11078492 D A | Closed | FCRE5782 | 2025-10-24 01:06 | 2025-10-27 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. GAP Report - Seller-10/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing/Credit report is outside of 30 days of the Note date, a pre-close credit report is not found in the file - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. GAP Report - Seller-10/24/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.5% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5999899 |
| 11078492 |  | 11078492 D A | Closed | FCRE5783 | 2025-10-24 01:06 | 2025-10-27 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025 <br>Ready for Review-Document Uploaded. GAP Report - Seller-10/24/2025 <br>Open-Borrower 2 Gap Credit Report is Missing/Credit report is outside of 30 days of the Note date, a pre-close credit report is not found in the file - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. GAP Report - Seller-10/24/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-10/27/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.15% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.63 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 57.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.5% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5999900 |
| 19058153 |  | 19058153 C A | Closed | FCRE1292 | 2025-10-23 09:49 | 2025-11-04 12:17 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Counter-Loan was approved using 12 months of Business bank statements - All 12 month Business bank statements are missing from the Loan file that was used for Income qualifications. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Income 1 Months Income Verified is Missing Bank statements are missing in the file to calculated income for borrower 1 - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5986901 |
| 19058153 |  | 19058153 C A | Closed | FCRE1293 | 2025-10-23 09:49 | 2025-11-04 12:17 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Counter-Loan was approved using 12 months of Business bank statements - All 12 month Business bank statements are missing from the Loan file that was used for Income qualifications. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Income 2 Months Income Verified is Missing Bank statements are missing in the file to calculated income for borrower 2 - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.3% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 5986902 |
| 17100550 |  | 17100550 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19858743 |  | 19858743 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16029171 |  | 16029171 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10545139 |  | 10545139 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10097955 |  | 10097955 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17433563 |  | 17433563 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11350495 |  | 11350495 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17983270 |  | 17983270 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19633058 |  | 19633058 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16323087 |  | 16323087 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15922554 |  | 15922554 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11543530 |  | 11543530 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18450380 |  | 18450380 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 17265927 |  | 17265927 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 11431500 |  | 11431500 D A | Closed | FCRE2109 | 2025-10-24 11:20 | 2025-11-03 07:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Counter-Apologies for the confusion, Missing Lenders Income worksheet reflecting all 2 yr Base calculations used to qualify the borrower. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Can you please clarify what you are looking for? - Seller-10/29/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Ready for Review-Can you please clarify what you are looking for? - Seller-10/29/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/03/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.41 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.21% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6005308 |
| 15684663 |  | 15684663 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19074782 |  | 19074782 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13431106 |  | 13431106 D A | Closed | FCRE2994 | 2025-10-30 10:17 | 2025-11-04 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 provided. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Provide updated 1008 showing the Audited of 15.13% vs Lenders of 18.751% - Per Lenders LOE stating: The xxx not sure how it got there. There is nothing on the credit report except for xxx mo rev<br> debt. No other deductions on Paystub either. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025<br>| Resolved-Updated 1008 provided. - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 33.74% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 225.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6066753 |
| 13431106 |  | 13431106 D A | Closed | FCRE3978 | 2025-10-28 12:39 | 2025-11-03 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed Credit Inquiry Provided. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/30/2025 <br> Counter-Document Uploaded. Per Investor Guidelines: Lenders must inform borrowers that they are obligated to notify the lender of any new extension of credit, whether unsecured or secured, that takes place during the underwriting process and up to the consummation of the loan. For all inquiries within the most recent 90 days of the credit report date, a signed letter of explanation from the borrower or creditor is required to determine whether additional credit was granted as a result of the borrower's request. If new credit was extended, borrower must provide documentation on the current balance and payment; based on the verification of all new debt/liabilities, the borrower should be qualified with the additional monthly payment. If no credit was extended, borrower must state the purpose of the inquiry. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-We should not need a Credit Inquiry Cert for our own credit pull – is the investor asking for this specifically?<br>Thank you, <br> xxx <br> Sr. Loan Processor II <br> - Seller-10/29/2025 <br> Open-B1 LOE credit inquiries page 153 (unsigned); - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Ready for Review-We should not need a Credit Inquiry Cert for our own credit pull – is the investor asking for this specifically?<br>Thank you, <br> xxx <br> Sr. Loan Processor II <br> - Seller-10/29/2025<br>| Resolved-Signed Credit Inquiry Provided. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 33.74% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 225.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6039320 |
| 13431106 |  | 13431106 D A | Closed | FCRE3653 | 2025-10-28 12:42 | 2025-10-30 10:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE Provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached LOX from our underwriter. - Seller-10/29/2025 <br> Open-Provide a Letter of Explanation to address the xxx monthly payment included on the 1008 but not reflected on the final 1003. No supporting documentation was provided; therefore, the payment was excluded from the DTI calculation through Audit review. - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached LOX from our underwriter. - Seller-10/29/2025<br>| Resolved-LOE Provided - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.16% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 33.74% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 225.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6039356 |
| 12489954 |  | 12489954 D A | Closed | FCOM1227 | 2025-10-27 02:58 | 2025-10-29 09:17 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD Rider provided - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-PUD Rider provided - Due Diligence Vendor-10/29/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6018205 |
| 16439537 |  | 16439537 D A | Closed | FCRE1330 | 2025-10-27 22:19 | 2025-10-30 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Borrower 1 Paystubs Missing Borrower 1 Paystubs with employer xxx is Missing - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6031330 |
| 16439537 |  | 16439537 D A | Closed | FCRE1328 | 2025-10-27 22:19 | 2025-10-30 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6031331 |
| 16439537 |  | 16439537 D A | Closed | FCRE1360 | 2025-10-27 22:19 | 2025-10-30 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 Paystubs Missing | Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Borrower 2 Paystubs Missing Borrower 2 Paystubs with employer xxx is Missing - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Borrower 2 Paystubs Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6031332 |
| 16439537 |  | 16439537 D A | Closed | FCRE1358 | 2025-10-27 22:19 | 2025-10-30 10:47 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025 <br>Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.42 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.66 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6031333 |
| 13805135 |  | 13805135 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 19584039 |  | 19584039 D A | Closed | FCOM1544 | 2025-10-28 13:06 | 2025-10-30 09:38 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-10/29/2025 <br> Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-10/28/2025 <br> Open-TRID: Missing Final Closing Disclosure Final CD in file dated xxx is missing page 2 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received. - Due Diligence Vendor-10/28/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6039831 |
| 19584039 |  | 19584039 D A | Closed | finding-3732 | 2025-10-28 12:58 | 2025-10-30 09:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Complete FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025 <br> Open-\*\*\*This loan failed the TRID total of payments test. Lender to provide a copy of their compliance test results for review. - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is xxx. The disclosed total of payments of xxx is not considered accurate because it is understated by more than xxx and the provided reimbursement amount of xxx is not sufficient to cure the inaccuracy. - Due Diligence Vendor-10/28/2025 |  | Resolved-Complete FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6039695 |
| 19584039 |  | 19584039 D A | Closed | finding-3734 | 2025-10-28 12:58 | 2025-10-30 09:37 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Complete FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025 <br> Open-\*\*\*This loan failed the TRID total of payments test. Lender to provide a copy of their compliance test results for review. - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Open-This loan failed the TRID foreclosure rescission total of payments test. (12 CFR §1026.23(h)(2)(ii))The total of payments is xxx. The disclosed total of payments charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-10/28/2025 |  | Resolved-Complete FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6039696 |
| 17783485 |  | 17783485 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17097491 |  | 17097491 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13585846 |  | 13585846 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19346563 |  | 19346563 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18994734 |  | 18994734 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18447471 |  | 18447471 D A C | Closed | finding-47 | 2025-10-30 10:05 | 2025-11-04 09:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025 <br> Resolved- - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-\*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-10/30/2025 <br> Open- - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/03/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.79 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.98 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6066539 |
| 18447471 |  | 18447471 D A C | Closed | FCRE5782 | 2025-10-30 07:07 | 2025-11-03 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-11/03/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.79 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.98 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6063927 |
| 18447471 |  | 18447471 D A C | Closed | FCRE5783 | 2025-10-30 07:07 | 2025-11-03 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-11/03/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.79 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.98 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.08 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6063928 |
| 15917016 |  | 15917016 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10942811 |  | 10942811 C A | Closed | FCRE1143 | 2025-10-30 00:32 | 2025-11-14 11:03 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Counter-Document Uploaded. Per Appraisal "Is the developer/builder in control of the Homeowners' Association (HOA)?" YES - Appraisal checked both boxed for Management Group - Homeowners' Association & Developer. Subject Condo was estibalished in 2008 - Due Diligence Vendor-11/06/2025 <br>Ready for Review-The property is a detached condo; project review is not required. Thank you. - Seller-11/06/2025 <br>Open-The Builder is in control of the HOA Updated as per the Document. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Ready for Review-The property is a detached condo; project review is not required. Thank you. - Seller-11/06/2025<br>| Resolved-The Builder is not in control of the HOA, or Not Applicable - Due Diligence Vendor-11/14/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 55.8% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6061858 |
| 11267284 |  | 11267284 D A | Closed | FCRE7347 | 2025-10-30 07:05 | 2025-11-17 12:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-per updated guidelines dated xxx: A copy of the lease is not required if the appraiser lists the rent amount for the subject on Form 1007. Otherwise, a copy of the lease is required.<br> - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Exception approval not needed. Please escalate to management. Loan locked after the new matrix went into effect on 9/10 - Buyer-11/09/2025 <br> Counter-Is there an approved Lender Exception? - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Please escalate. Ok to use the current guidelines on the Wholesale side, - Buyer-11/05/2025 <br> Counter-Document Uploaded. Per CES Guidelines dated xxx: Refinance Currently Leased 1-4 units: DSCR is calculated using lower of lease agreement or rent survey. If existing lease agreement(s) show a higher rental amount than the market rent, the higher rents may be used with receipt of most recent three (3) months payments (e.g. cancelled checks, bank statements, etc.), or as per the terms on the lease agreement for new leases.<br> - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. - Buyer-11/02/2025 <br> Open-Lease agreement is missing for subject property. As per appraisal occupancy is tenant. Provide lease agreement. - Due Diligence Vendor-10/30/2025 |  | Resolved-per updated guidelines dated 9.10.2025: A copy of the lease is not required if the appraiser lists the rent amount for the subject on Form 1007. Otherwise, a copy of the lease is required.<br> - Due Diligence Vendor-11/17/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 47.43% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.44 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6063909 |
| 17052337 |  | 17052337 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14688818 |  | 14688818 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11183697 |  | 11183697 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18129236 |  | 18129236 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16556935 |  | 16556935 C A | Closed | FCOM1252 | 2025-10-30 17:59 | 2025-11-04 10:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. here is the one that you are missing. Apologies. - Buyer-11/03/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the (COC - xxx) Corresponding Revised Lock Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br>- Due Diligence Vendor-10/30/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-11/04/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Stable Time in Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.69 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - CLTV Is Below the Guideline Maximum Original CLTV Of 79.52% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Reserves Are Greater Than The Guideline Minimum Months Reserves Of 45.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Stable Time In Profession Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.69 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - DTI s Less Than The Guideline Maximum Calculated DTI Of 36.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6076219 |
| 14604227 |  | 14604227 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11935128 |  | 11935128 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10163044 |  | 10163044 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17904981 |  | 17904981 D A | Closed | FCRE3653 | 2025-10-30 16:32 | 2025-12-04 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Missing CO LOE from Borrowers per GL 4.1.2 A letter of explanation regarding the use of loan funds must be provided for cash-out refinance transactions. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Cash out letter provided - Due Diligence Vendor-12/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.36% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6074976 |
| 15875165 |  | 15875165 D A | Closed | FCRE3653 | 2025-10-30 17:45 | 2025-11-04 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-cash out letter provided. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Missing CO LOE from Borrower per GL 4.1.2 A letter of explanation regarding the use of loan funds must be provided for cash-out refinance transactions. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-cash out letter provided. - Due Diligence Vendor-11/04/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.73% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6076014 |
| 15974145 |  | 15974145 D A | Closed | FCRE3653 | 2025-10-30 19:59 | 2025-11-14 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-Missing CO LOE from Borrowers per GL 4.1.2 A letter of explanation regarding the use of loan funds must be provided for cash-out refinance transactions. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-11/14/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6077025 |
| 15974145 |  | 15974145 D A | Closed | FCRE1316 | 2025-10-30 06:26 | 2025-11-03 11:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/03/2025 <br>Ready for Review-A copy of the VOE from Equifax can be located on page 625 of 978 in the closed loan pkg. Please review and advise! - Seller-10/31/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/30/2025 | Ready for Review-A copy of the VOE from Equifax can be located on page 625 of 978 in the closed loan pkg. Please review and advise! - Seller-10/31/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6063500 |
| 15974145 |  | 15974145 D A | Closed | FCRE1292 | 2025-10-30 06:26 | 2025-11-03 11:54 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. - Seller-10/31/2025 <br>Open-Income 1 Months Income Verified is Missing Missing per GL 8.4.1 W-2s for most recent 1 or 2-years and current paystubs reflecting 30 days earnings. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.96% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.81 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6063501 |
| 12758819 |  | 12758819 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12142117 |  | 12142117 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12917791 |  | 12917791 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11920336 |  | 11920336 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18858667 |  | 18858667 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12397521 |  | 12397521 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15693174 |  | 15693174 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17054685 |  | 17054685 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10858031 |  | 10858031 C A | Closed | finding-47 | 2025-11-03 09:36 | 2025-11-05 08:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/05/2025 <br> Resolved- - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 <br> Open- - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/05/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.02 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6097138 |
| 11717087 |  | 11717087 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19414691 |  | 19414691 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14389437 |  | 14389437 D A | Closed | FCRE7497 | 2025-11-03 03:59 | 2025-11-05 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-LOE and tax cert provided. (vacant land) - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Missing Tax Documents for xxx. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-LOE and tax cert provided. (vacant land) - Due Diligence Vendor-11/05/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.73 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6094170 |
| 15297866 |  | 15297866 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16313797 |  | 16313797 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14777120 |  | 14777120 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11001565 |  | 11001565 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13979055 |  | 13979055 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19401570 |  | 19401570 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13967615 |  | 13967615 D A | Closed | FCRE3653 | 2025-11-04 12:59 | 2025-11-11 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-11/11/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Missing fully executed LOE from B1 for the use of Cash out proceeds. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-11/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.85% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.24 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6119410 |
| 17265481 |  | 17265481 C A | Closed | FVAL2477 | 2025-11-04 15:33 | 2025-12-10 07:57 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Note correcting the Property address provided. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/09/2025 <br> Counter-A Correction Agreement or "LPOA" from the borrower that gives "them" (meaning the Lender) limited authorization to strike and correct the address and initial in the borrower behalf. And Security Instrument may be able to be corrected with a scrivener's or correction affidavit. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-I'm sorry but can you please clarify who is "THEM" in your response below? Usually, in this instance we would have the Note, Deed/MTG, and CD corrected. Who would be correcting the address & initialing in this instance? - Seller-11/13/2025 <br> Counter-A Correction Agreement or LPOA from the borrower that gives them limited authorization to strike and correct the address and initial in the borrower behalf. And Security Instrument may be able to be corrected with a scrivener's or correction affidavit. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-We received confirmation that the address should be: xxx. Please advise what you will require to clear this loan for purchase... - Seller-11/12/2025 <br> Open-Provide explanation and/or documentation to reconcile the discrepancy in the property address designation. The Appraisal Report lists the address as xxx, while the Note reflects xxx. Supporting documentation must clearly identify and correspond to each source. - Due Diligence Vendor-11/04/2025 | Ready for Review-I'm sorry but can you please clarify who is "THEM" in your response below? Usually, in this instance we would have the Note, Deed/MTG, and CD corrected. Who would be correcting the address & initialing in this instance? - Seller-11/13/2025 <br> Ready for Review-We received confirmation that the address should be: xxx. Please advise what you will require to clear this loan for purchase... - Seller-11/12/2025 | Resolved-Note correcting the Property address provided. - Due Diligence Vendor-12/10/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 22.66% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6123151 |
| 12154767 |  | 12154767 D A | Closed | FCRE3653 | 2025-11-04 18:19 | 2025-11-14 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-Missing fully executed and dated LOE from B1 for the use of Cash out proceeds. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Cash out letter provided - Due Diligence Vendor-11/14/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 76.64% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6126132 |
| 11019500 |  | 11019500 C A | Closed | FCRE1254 | 2025-11-04 20:16 | 2025-11-06 14:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Property Title Issue Title Commitment (page 396) — Schedule B lists open items requiring proof of resolution:<br> 1) Missing proof that the delinquent real estate taxes listed in Title Commitment Schedule B, Items 9 through 14, have been paid or resolved.<br> 2) Missing proof that the open child support judgment listed in Title Commitment Schedule B, Item 8, has been cleared or released.<br> 3) Missing proof that the title company received a copy of xxx dated xxx, including all amendments, along with a statement confirming the current status of the Trustees, Trustors, and xxxeficiaries, as referenced in Title Commitment Schedule B, Item 8. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-11/06/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.91% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.26 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.27 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6126764 |
| 11558394 |  | 11558394 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13697763 |  | 13697763 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11801002 |  | 11801002 C B A | Closed | finding-3631 | 2025-11-04 05:39 | 2025-11-21 08:51 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Counter-Unable to locate a copy of the refund check in the documents provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open- - Due Diligence Vendor-11/12/2025 <br> Open-\*\*\*The final amount of the associated fees exceeded the 10% threshold by xxx - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6110353 |
| 11801002 |  | 11801002 C B A | Closed | finding-3632 | 2025-11-04 05:39 | 2025-11-21 08:51 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Counter-Unable to locate a copy of the refund check in the documents provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open- - Due Diligence Vendor-11/12/2025 <br> Open-\*\*\*The final amount of the associated fees exceeded the 10% threshold by xxx - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6110354 |
| 11801002 |  | 11801002 C B A | Closed | finding-3635 | 2025-11-04 05:39 | 2025-11-21 08:51 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025 <br> Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Counter-Unable to locate a copy of the refund check in the documents provided. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open- - Due Diligence Vendor-11/12/2025 <br> Open-\*\*\*The final amount of the associated fees exceeded the 10% threshold by xxx - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (xxx) exceed the comparable charges (xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-11/21/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6110355 |
| 11801002 |  | 11801002 C B A | Closed | finding-47 | 2025-11-04 05:39 | 2025-11-12 10:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/12/2025 <br> Resolved- - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/11/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/12/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.51 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.08 Years Borrower At Current Residence For Five (5) Or More Years - 22.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 60.41 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 49.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6110352 |
| 12016175 |  | 12016175 C A | Closed | finding-47 | 2025-11-04 14:05 | 2025-11-07 10:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025 <br> Resolved- - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/05/2025 <br> Open- - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 39.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.17 Years Borrower At Current Residence For Five (5) Or More Years - 12.17 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.60 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6121227 |
| 12060407 |  | 12060407 D A | Closed | FCRE1193 | 2025-11-04 22:27 | 2025-12-02 14:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Please see updated 1008 and credit supplement showing that the xxx was paid off and closed. - Buyer-12/02/2025 <br> Open-Audited DTI of 51.12% exceeds Guideline DTI of 50% DTI variance due to:<br> 1) creditor xxx payment excluded and listed as an installment payment (account was incorrectly excluded).<br> 2) escrow shortage added to first mortgage payment – updated to xxx versus xxx; <br> - Due Diligence Vendor-11/05/2025 |  | Resolved-Audited DTI of 48.27% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.22 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6127050 |
| 12060407 |  | 12060407 D A | Closed | FCRE1145 | 2025-11-04 03:09 | 2025-11-10 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-11/09/2025 <br> Open-Title Document is missing Missing title commitment for xxx including all schedules, a 24-month chain of title, and documentation of real estate taxes paid and/or due, along with any listed acceptable exclusions. - Due Diligence Vendor-11/04/2025 |  | Resolved-Title Document is fully Present - Due Diligence Vendor-11/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.94% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 36.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.22 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.22 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6109816 |
| 17320811 |  | 17320811 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16918510 |  | 16918510 C A | Closed | FCRE1199 | 2025-11-04 12:38 | 2025-11-17 12:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xxx is less than or equal to the Guideline Maximum Loan Amount of xxx - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. Please see attached-copy of our current matrix which reflects a max loan amount of xxx. - Buyer-11/09/2025 <br> Counter-Document Uploaded. Apologies for the confusion, The CES (2nd Lien) matrix reflects a Max Loan amount of xxx. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Not sure i understand, matrix allows up to xxx on O/O above xxx Fico. - Buyer-11/05/2025 <br> Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx. (Pending receipt of Lender Exception) - Due Diligence Vendor-11/04/2025 |  | Resolved-Audited Loan Amount of xxx is less than or equal to the Guideline Maximum Loan Amount of $850000 - Due Diligence Vendor-11/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 29.41 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.07% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6118919 |
| 11207314 |  | 11207314 D A | Closed | FCRE1316 | 2025-11-05 03:48 | 2025-11-06 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.14 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.53 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.42 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6128312 |
| 16278806 |  | 16278806 D A | Closed | FCRE1316 | 2025-11-04 10:22 | 2025-11-06 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/06/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Please find the attached document. - Seller-11/06/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6114052 |
| 16278806 |  | 16278806 D A | Closed | FCRE1342 | 2025-11-04 10:22 | 2025-11-06 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Please find the attached documents. - Seller-11/06/2025 <br> Open-Borrower 1 Business Bank Statements Missing Borrower xxx accnt ending xxx Business Bank Statements Missing - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Please find the attached documents. - Seller-11/06/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-11/06/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.92 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6114053 |
| 12417013 |  | 12417013 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11829971 |  | 11829971 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14986525 |  | 14986525 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15488171 |  | 15488171 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11485335 |  | 11485335 D A | Closed | FCRE9549 | 2025-11-06 19:26 | 2025-12-11 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Proof lien was PIF provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-Missing confirmation that xxx is not an existing Line of Credit against the subject property xxx. <br>If a lien against the subject property then monthly payment and balance to be added and CLTV updated to 72% versus 65.826% and DTI 47.84% based on xxx+xxx = xxx/xxx, versus 43.78% DTI. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Proof lien was PIF provided. - Due Diligence Vendor-12/11/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.75 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27.74 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.06% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6164567 |
| 13988860 |  | 13988860 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18612768 |  | 18612768 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16133474 |  | 16133474 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15318509 |  | 15318509 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15096960 |  | 15096960 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16615824 |  | 16615824 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17275532 |  | 17275532 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15155267 |  | 15155267 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19941928 |  | 19941928 D A | Closed | FCRE1316 | 2025-11-06 20:27 | 2025-11-09 08:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/09/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-11/07/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/07/2025 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.66 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 44.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 4.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6164816 |
| 11563614 |  | 11563614 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17459377 |  | 17459377 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13560344 |  | 13560344 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10244590 |  | 10244590 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 17318117 |  | 17318117 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15502264 |  | 15502264 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12279935 |  | 12279935 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11497321 |  | 11497321 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16221722 |  | 16221722 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17351738 |  | 17351738 D A | Closed | FCRE1199 | 2025-11-08 02:12 | 2025-11-17 12:33 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Resolved-Audited Loan Amount of xxx is less than or equal to the Guideline Maximum Loan Amount of xxx - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. ?? Please see attached. - Buyer-11/09/2025 <br> Open-Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount of xxx Audited Loan Amount of xxx is greater than the Guideline Maximum Loan Amount - Due Diligence Vendor-11/09/2025 |  | Resolved-Audited Loan Amount of xxx is less than or equal to the Guideline Maximum Loan Amount of $750000 - Due Diligence Vendor-11/17/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.8% Is Below the Guideline Maximum Original CLTV Of 47.8% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6181787 |
| 17351738 |  | 17351738 D A | Closed | FCRE1158 | 2025-11-08 00:52 | 2025-11-12 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025 <br> Resolved-Both HOI Policies and LOE from Agent provided - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-11/11/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Subject is 2nd lien but policy contains the current lien information , As per guidelines , previous lien information has to be on hazard insurance document . 1st lien is with xxx - Due Diligence Vendor-11/08/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-11/12/2025 <br>Resolved-Both HOI Policies and LOE from Agent provided - Due Diligence Vendor-11/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.8% Is Below the Guideline Maximum Original CLTV Of 47.8% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6181580 |
| 17351738 |  | 17351738 D A | Closed | FCRE1504 | 2025-11-08 01:36 | 2025-11-10 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Partially Provided | Resolved-x - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. 1st mortgage is a 10-yr IO Arm. Per guidelines, determined the first mortgage payment by taking the original loan amount and amortizing it over 240 months at the current rate since the fixed term has more than 3 years left. Revised 1008 attached.<br> - Buyer-11/10/2025 <br>Open-As per mortgage statement , It has only interest & Escrow but lender has considered full PITIA . Provide the previous note to calculate the PITIA . - Due Diligence Vendor-11/08/2025 |  | Resolved-x - Due Diligence Vendor-11/10/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.8% Is Below the Guideline Maximum Original CLTV Of 47.8% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6181694 |
| 17351738 |  | 17351738 D A | Closed | FCRE7347 | 2025-11-08 01:34 | 2025-11-10 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Updated 1008 provided. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached revised 1008. Rental income removed. - Buyer-11/10/2025 <br> Open-Lease agreement missing for xxx - xxx , - Due Diligence Vendor-11/08/2025 |  | Resolved-Updated 1008 provided. - Due Diligence Vendor-11/10/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.26 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.8% Is Below the Guideline Maximum Original CLTV Of 47.8% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Months Reserves Of 55.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Calculated DTI Of 4.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6181685 |
| 17879195 |  | 17879195 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11471473 |  | 11471473 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18895406 |  | 18895406 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10903111 |  | 10903111 D A | Closed | FCRE2109 | 2025-11-08 18:13 | 2025-11-14 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing Lender Worksheet per GL 8.1.1. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/14/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 50.35 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 50.35 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.31% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6184597 |
| 16768240 |  | 16768240 C A | Closed | FVAL2477 | 2025-11-09 21:15 | 2025-11-18 13:40 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved- - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Missing Appraiser's E&O Insurance current as of the appraisal report xxx. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>|  | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.27% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6187620 |
| 16768240 |  | 16768240 C A | Closed | FCRE1140 | 2025-11-09 21:21 | 2025-11-13 13:56 | Resolved | 1 - Information C A | Credit | Closing | Property taxes are not current or unable to be determined. | Resolved-Paid Taxes document provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Missing proof that the RE taxes due for the year of 2025 2nd Quarter in the amount of xxx plus penalties and interest, are paid per title SCHEDULE B, PART I #6 - page 582; - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Paid Taxes document provided. - Due Diligence Vendor-11/13/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.27% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6187625 |
| 19598497 |  | 19598497 C A | Closed | FCRE5047 | 2025-11-10 13:10 | 2025-11-18 13:40 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title Supplement provided. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Comment verbiage updated. - Due Diligence Vendor-11/10/2025 <br> Open-Missing copy of Title Commitment with Title Coverage Amount of xxx. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Title Supplement provided. - Due Diligence Vendor-11/18/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6196895 |
| 18177868 |  | 18177868 D A | Closed | FCRE1444 | 2025-11-10 16:59 | 2025-11-12 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit report incomplete | Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/12/2025 <br> Open-CB1's date of birth is incorrect on the CBR page 159 — listed as xxx on the Final 1003 (page 563), whereas the SSN validation on the credit report (page 171) confirms the correct date of birth as xxx. - Due Diligence Vendor-11/10/2025 |  | Resolved-Full Credit Report is Provided - Due Diligence Vendor-11/12/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.24% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.33 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6200834 |
| 15134677 |  | 15134677 D A | Closed | FCRE3978 | 2025-11-10 20:22 | 2025-11-13 13:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Credit inquiry provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Missing fully executed Credit inquiry LOE from B1 & CB1 for 9/16/2025 - xxx / proposed 2nd loan inquiry page 191; - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Credit inquiry provided. - Due Diligence Vendor-11/13/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6202301 |
| 15134677 |  | 15134677 D A | Closed | FCRE6873 | 2025-11-10 20:02 | 2025-11-12 14:14 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Processor Certification provided. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Missing Documentation – FACTA Initial Fraud Alert Not Yet Cleared<br> An Initial Fraud Alert remains open on the Credit Bureau report (pages 378, 181, 192–193). The file is currently missing the required documentation to satisfy FACTA compliance and properly clear this alert.<br>To clear the alert, the following documentation must be provided:<br>A signed and dated Letter of Explanation (LOE) from the borrower acknowledging the fraud alert; and<br>Verification from confirming the borrower's identity and addressing the alert.<br>All documentation must support that due diligence has been performed in verifying the borrower's identity in accordance with FACTA guidelines. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Processor Certification provided. - Due Diligence Vendor-11/12/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.76 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 31.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.3 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6201985 |
| 12294125 |  | 12294125 D A | Closed | FCRE3653 | 2025-11-10 21:37 | 2025-11-13 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Signed Credit inquiry provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Missing fully executed Credit inquiry LOE from B1 for 10/19/2025 - xxx / proposed 2nd loan inquiry is unsigned page 89 & 93; - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Signed Credit inquiry provided. - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.69 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6203213 |
| 17232342 |  | 17232342 D A | Closed | FCRE3653 | 2025-11-10 23:43 | 2025-11-20 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing fully executed LOE from B1 & CB1 for the use of Cash out proceeds. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-11/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.86% Is Less Than The Guideline Maximum Of 45% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.66 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.93% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.39 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6203600 |
| 12638301 |  | 12638301 C A | Closed | finding-47 | 2025-11-09 23:20 | 2025-11-13 08:17 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/11/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 <br> Open- - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/13/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.83 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.83 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 74.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 63.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.88% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.58 Years Borrower At Current Residence For Five (5) Or More Years - 23.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6187834 |
| 12564874 |  | 12564874 D A | Closed | FCRE1145 | 2025-11-10 03:45 | 2025-11-12 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/11/2025 <br>Open-Title Document is missing; however, supplemental title was in file - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/11/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-11/12/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 28.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.82 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.82 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6188974 |
| 14615158 |  | 14615158 C A | Closed | finding-3652 | 2025-11-21 01:01 | 2025-12-01 13:53 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/01/2025 <br> Resolved- - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Revised LE dated xxx reflects Lender Credit Fee xxx however, Final CD dated xxx reflects the Lender Credit Fee xxx The fee has been decreased for Lender Credit(xxx). Required valid COC.<br>- Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/01/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.35 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6335469 |
| 18039218 |  | 18039218 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13283366 |  | 13283366 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15255642 |  | 15255642 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13970165 |  | 13970165 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13725468 |  | 13725468 C B A | Closed | FCRE1200 | 2025-11-10 05:06 | 2025-11-11 15:18 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min - xxx Subject - xxx - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please find attached exception approval that was included in the loan file. - Buyer-11/11/2025 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Loan Amount xxx is less than the Guideline Minimum Loan Amount of xxx. - Due Diligence Vendor-11/10/2025 |  | Waived-Exception granted with supporting comp factors: Min - xxx Subject - xxx - Due Diligence Vendor-11/11/2025 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | DTI - Max - 50% Subject - <30%<br> Mortgage - Multiple accounts with history dating back to 2007 No lates reported on any of the trades | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6189338 |
| 16389919 |  | 16389919 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10741766 |  | 10741766 D A | Closed | FCRE1503 | 2025-11-10 08:31 | 2025-11-11 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Mortgage statement provided. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-11/11/2025 <br> Open-Mortgage Statement(s) Missing for subject property xxx. - Due Diligence Vendor-11/10/2025 |  | Resolved-Mortgage statement provided. - Due Diligence Vendor-11/11/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6190967 |
| 14532193 |  | 14532193 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11601829 |  | 11601829 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12476036 |  | 12476036 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14469567 |  | 14469567 C A | Closed | FCRE5502 | 2025-11-11 20:30 | 2025-11-13 13:44 | Resolved | 1 - Information C A | Credit | Data | Verify Borrower Employment Verification | Resolved-Data Validation Resolved - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Missing VVOE per GL 8.4.1 A verbal VOE from each employer within 10-days of the note date for wage and salaried employees. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Data Validation Resolved - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 35.76 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.64 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6216134 |
| 12822612 |  | 12822612 D A | Closed | FCRE3978 | 2025-11-11 21:49 | 2025-11-21 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed credit Inquiry provided. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. xxx Our subject Loan <br> xxx Reporting on credit Supplement as Zero Balance<br> xxx Reporting on Original Credit report and was paid off at closing <br> xxx Borrower did not answer question. However its 90 days old and reporting on Original Credit Report as open account <br>xxx<br> Jumbo Non-QM Underwriter (Post Closing Reviewer)<br>- Seller-11/21/2025 <br> Open-Missing fully executed Credit inquiries LOE from B1. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. xxx Our subject Loan <br> xxx Reporting on credit Supplement as Zero Balance<br> xxx Reporting on Original Credit report and was paid off at closing <br> xxx Borrower did not answer question. However its 90 days old and reporting on Original Credit Report as open account <br>xxx<br> xxx<br>- Seller-11/21/2025 | Resolved-Signed credit Inquiry provided. - Due Diligence Vendor-11/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.44% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.04 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6216285 |
| 12822612 |  | 12822612 D A | Closed | FCRE3653 | 2025-11-11 21:48 | 2025-11-21 11:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Open-Missing fully executed B1's LOE for use of cash proceeds. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-11/21/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.44% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.04 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6216284 |
| 14201976 |  | 14201976 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 17389943 |  | 17389943 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16647572 |  | 16647572 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18789673 |  | 18789673 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18436638 |  | 18436638 D B A | Closed | FCRE6019 | 2025-11-13 10:57 | 2025-11-17 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. Thank you for pointing this out. Her status got changed in our system in error and was not caught before the closing docs went out. As indicated on the initial 1003, borrower is a US citizen, with documentation in the file to support (credit report, fraud guard, etc.) Corrected page 1 of the 1003 is attached. - Buyer-11/15/2025 <br>Counter-Document Uploaded. Final 1003 states borrower is a Non-Permanent Resident Alien - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. No quite sure what you're referring to, but borrower's ID is attached. B is a US citizen as indicated on 1003. - Buyer-11/13/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-11/13/2025 |  | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 44.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.84 Years<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 9.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 9.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6238567 |
| 12868130 |  | 12868130 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10209194 |  | 10209194 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13580545 |  | 13580545 D B A C | Closed | FCRE1728 | 2025-11-12 12:23 | 2025-11-13 09:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Full Appraisal provided (market rents) - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-11/12/2025 <br> Open-Missing 1007 for the subject property - xxx. - Due Diligence Vendor-11/12/2025 |  | Resolved-Full Appraisal provided (market rents) - Due Diligence Vendor-11/13/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6225719 |
| 13580545 |  | 13580545 D B A C | Closed | FPRO7501 | 2025-11-11 16:53 | 2025-11-13 08:42 | Waived | 2 - Non-Material C B | Property | Data | Property Type is not Two to Four unit and Number of Units is not 1 | Waived-Exception granted with supporting comp factors: Exception to consider the subject as a 3-unit property. Reviewed and approved by xxx and xxx. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-11/12/2025 <br> Open-Please leave a comment verifying the Property Type is Single Family Detached and Number of Units is not 1 Missing a copy of the Lender's Exception authorizing the subject property's eligibility, as the appraisal reflects a single-family residence (SFR) with two non-permitted accessory dwelling units (ADUs). Per program guidelines, a maximum of one (1) legal ADU is permitted on a single lot. - Due Diligence Vendor-11/11/2025 |  | Waived-Exception granted with supporting comp factors: Exception to consider the subject as a 3-unit property. Reviewed and approved by xxx and xxx. - Due Diligence Vendor-11/13/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 | DTI - Max - 50% Subject - 25%<br> Credit History - Extensive history, including multiple mortgages. No lates on entire report | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6214977 |
| 11618070 |  | 11618070 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18478608 |  | 18478608 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17180281 |  | 17180281 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14338111 |  | 14338111 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18546680 |  | 18546680 B A | Closed | FCRE1182 | 2025-11-14 05:53 | 2025-11-18 10:41 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-1008/Underwriting Summary Not Provided 1008/Underwriting Summary MISSING from loan documents - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.65% Is Less Than The Guideline Maximum Of 50% Calculated DTI Of 39.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 11.11% Is Below The Guideline Maximum Of 85% Original LTV Of 11.11% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6249576 |
| 13946222 |  | 13946222 C A | Closed | FVAL9739 | 2025-11-14 16:54 | 2025-12-17 08:53 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Re-Record Deed of Trust inst xxx remove PUD rider from page 7 provided. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-In 1008 HOA amount is reflecting and property is a PUD per legal and PUD rider. The appraisal did not indicate a PUD nor HOA amount. Corrected appraisal to reflect as a PUD - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Re-Record Deed of Trust inst xxx remove PUD rider from page 7 provided. - Due Diligence Vendor-12/17/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.83 Years Borrower At Current Residence For Five (5) Or More Years - 13.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 40.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 34.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.22% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 64.22% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6260590 |
| 10620312 |  | 10620312 C A | Closed | finding-3634 | 2025-11-14 18:46 | 2025-11-18 09:19 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025 <br> Resolved- - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-The following charges have been either added or increased: Appraisal Desk Review resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6261635 |
| 10620312 |  | 10620312 C A | Closed | finding-3631 | 2025-11-14 18:46 | 2025-11-18 09:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025 <br> Resolved- - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-The following charges have been either added or increased: Appraisal Desk Review resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6261636 |
| 10620312 |  | 10620312 C A | Closed | finding-3632 | 2025-11-14 18:46 | 2025-11-18 09:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025 <br> Resolved- - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/17/2025 <br> Open-The following charges have been either added or increased: Appraisal Desk Review resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/17/2025 <br> Open- - Due Diligence Vendor-11/17/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-11/14/2025 <br> Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings - Due Diligence Vendor-11/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6261637 |
| 10497178 |  | 10497178 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13985343 |  | 13985343 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10073782 |  | 10073782 D A | Closed | FCOM1544 | 2025-11-13 13:31 | 2025-11-19 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*\* Borrower executed documents on xxx, after Final Closing Disclosure Disbursement date of xxx. Please provide Post Consummation Closing Disclosure with actual disbursement date. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 37.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6242241 |
| 10073782 |  | 10073782 D A | Closed | finding-47 | 2025-11-12 04:49 | 2025-11-19 09:13 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/12/2025 <br> Open- - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-11/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 37.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 41.45% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years Borrower At Current Residence For Five (5) Or More Years - 9.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6219329 |
| 14809367 |  | 14809367 D A | Closed | FCRE1316 | 2025-11-12 02:04 | 2025-11-18 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.28 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.27 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6218697 |
| 16890779 |  | 16890779 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16657397 |  | 16657397 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16136891 |  | 16136891 C A | Closed | FCRE1193 | 2025-11-12 22:12 | 2025-11-17 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 48.24% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Thank you for uploading your worksheet but we respectfully rebut your findings and would like reconsideration. The xxx deposits were in fact income, and there were others in the 12 months that you didn't exclude. We ran our statements through xxx, and considering they weren't transfers, large deposits, etc., these deposits should remain in the calculation. - Buyer-11/15/2025 <br> Counter-Document Uploaded. Please see Audited income worksheet - Audited Income xxx less than Lenders due to Bank statement deposits/excluded deposits. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Please explain where the xxx income variance is coming from. Thanks!<br> - Buyer-11/13/2025 <br> Open-Audited DTI of 50.42% exceeds Guideline DTI of 50% - Due Diligence Vendor-11/13/2025 |  | Resolved-Audited DTI of 48.24% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 79.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6232338 |
| 17204191 |  | 17204191 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13116968 |  | 13116968 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15509140 |  | 15509140 C A | Closed | finding-3532 | 2025-11-12 13:00 | 2025-11-26 09:39 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*\*Received correct ICD execution page. - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. All TRIDS enclosed with correct signature pages. - Seller-11/25/2025 <br> Open-\*\*\* Evidence of the Initial CD delivery date, sent xxx, is required to be received by the consumer 3 business days prior to consummation. - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/13/2025 <br> Open- - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. All TRIDS enclosed with correct signature pages. - Seller-11/25/2025<br>| Resolved-\*\*\*Received correct ICD execution page. - Due Diligence Vendor-11/26/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.42% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.68 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6226350 |
| 12308938 |  | 12308938 C A | Closed | FCRE5047 | 2025-11-13 11:29 | 2025-11-17 10:50 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title supplement provided. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Open-Title preliminary report page 467 reports xxx, missing title report reflecting Policy Coverage iao xxx.; - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Title supplement provided. - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.17 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.27% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6239815 |
| 17346282 |  | 17346282 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16162325 |  | 16162325 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16375911 |  | 16375911 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11076272 |  | 11076272 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17082425 |  | 17082425 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13076653 |  | 13076653 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12377049 |  | 12377049 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11227821 |  | 11227821 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19425755 |  | 19425755 D A | Closed | FCRE1316 | 2025-11-14 01:38 | 2025-11-20 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/20/2025 <br>Resolved-VVOE provided. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/20/2025 <br>Resolved-VVOE provided. - Due Diligence Vendor-11/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.84 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.86% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6248393 |
| 19425755 |  | 19425755 D A | Closed | FCRE1342 | 2025-11-14 01:38 | 2025-11-20 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Business Bank Statements Missing As per Final 1008 the borrower's Qualified income consider from Bank Statement but, Borrower 1 Business Bank Statements Missing. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-11/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.84 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.86% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6248394 |
| 19425755 |  | 19425755 D A | Closed | FCRE1325 | 2025-11-14 01:38 | 2025-11-20 08:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-11/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.84 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.86% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6248395 |
| 19455609 |  | 19455609 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10199416 |  | 10199416 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19539968 |  | 19539968 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12112085 |  | 12112085 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19941341 |  | 19941341 B A | Closed | FPRO1251 | 2025-11-17 05:38 | 2025-11-17 05:38 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-Zone Agriculture - Due Diligence Vendor-11/17/2025 |  | Waived-Zone Agriculture - Due Diligence Vendor-11/17/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.74 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.62% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.34 Years | LOW LTV, HIGH FICO, satisfactory payment history, low consumer debt |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6268200 |
| 11337430 |  | 11337430 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12664785 |  | 12664785 D A | Closed | FCRE1202 | 2025-11-18 08:39 | 2025-11-20 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Third Party Fraud Report Partially Provided; missing the alerts, party's to the loan, and clearing of alerts - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-11/20/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.75 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.75 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.74 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.74 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.00 Years Borrower At Current Residence For Five (5) Or More Years - 23.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6286672 |
| 16677901 |  | 16677901 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17644253 |  | 17644253 C A | Closed | finding-47 | 2025-11-19 05:22 | 2025-11-24 10:55 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-\*\*\*\*\*\*\* Borrower executed documents on 11/6/2025. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/19/2025 <br>Open- - Due Diligence Vendor-11/19/2025 <br>Open- - Due Diligence Vendor-11/19/2025 <br>Open- - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-\*\*\*Received PCCD. - Due Diligence Vendor-11/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.11 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6300129 |
| 17644253 |  | 17644253 C A | Closed | FCRE5047 | 2025-11-19 19:34 | 2025-11-24 10:42 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Lender provided update - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-Final Title Commitment to be updated to support the Note Amount of xxx (Page 446) - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Lender provided update - Due Diligence Vendor-11/24/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.11 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.92% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.85 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6314174 |
| 12812347 |  | 12812347 D A | Closed | FCRE1332 | 2025-11-18 23:34 | 2025-11-21 16:15 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-11/21/2025 <br> Ready for Review-The matrix says YTD paystub showing a minimum 30 days of earnings. Not paystubs covering 30 days. Please escalate this condition...! - Seller-11/21/2025 <br> Open-Borrower 1 Paystubs Less Than 1 Month Provided Missing B1's current paystubs reflecting 30 days of earnings — only one paystub was provided, covering the period from 08/31/2025 to 09/13/2025. - Due Diligence Vendor-11/19/2025 | Ready for Review-The matrix says YTD paystub showing a minimum 30 days of earnings. Not paystubs covering 30 days. Please escalate this condition...! - Seller-11/21/2025<br>| Resolved-Borrower 1 Paystubs Greater Than or Equal To 1 Month Provided - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6298373 |
| 12812347 |  | 12812347 D A | Closed | FCRE1362 | 2025-11-18 23:34 | 2025-11-21 16:15 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/21/2025 <br> Ready for Review-The matrix says YTD paystub showing a minimum 30 days of earnings. Not paystubs covering 30 days. Please escalate this condition...! - Seller-11/21/2025 <br> Open-Borrower 2 Paystubs Less Than 1 Month Provided Missing B2's current paystubs reflecting 30 days of earnings — only one paystub was provided, covering the period from 09/14/2025 to 09/27/2025. - Due Diligence Vendor-11/19/2025 | Ready for Review-The matrix says YTD paystub showing a minimum 30 days of earnings. Not paystubs covering 30 days. Please escalate this condition...! - Seller-11/21/2025<br>| Resolved-Borrower 2 Paystubs Greater Than or Equal To 1 Month Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6298374 |
| 12812347 |  | 12812347 D A | Closed | FCRE1964 | 2025-11-19 21:34 | 2025-11-21 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Can you please point to where that requirement is in their guidelines? My understanding is that if it's not in their guidelines it defaults to xxx does not require a YTD paystub from a prior employer. <br>xxx<br> Sr. Underwriter - Seller-11/21/2025 <br> Open-Missing proof of B1's xxx YTD earnings from xxx through the xxx start date at xxx. - Due Diligence Vendor-11/20/2025 | Ready for Review-Can you please point to where that requirement is in their guidelines? My understanding is that if it's not in their guidelines it defaults to xxx. Xxx does not require a YTD paystub from a prior employer. <br>xxx<br> xxx - Seller-11/21/2025 |  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.92% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6314557 |
| 12059718 |  | 12059718 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10599192 |  | 10599192 D A | Closed | FCRE7000 | 2025-11-18 13:22 | 2025-11-26 12:37 | Resolved | 1 - Information C A | Credit | Assets | Insufficient Total Liquid Assets Available for Close | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-The xxx banking transaction history dated xxx reflects an available balance of xxx - Loan closed on xxx - The Available balance Lender is using xxx dated xxx reflects 2 xxx transfers iao xxx on xxx- No withdrawal/transfer was sent to the Title/Closing agent. Missing Additional assets prior to closing. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-Total Liquid Assets Available for Close of xxx is less than Total Cash to Close xxx. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-11/26/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.85% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.61 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6292099 |
| 10599192 |  | 10599192 D A | Closed | FCRE5770 | 2025-11-18 13:15 | 2025-11-21 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.85% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.61 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6291944 |
| 10599192 |  | 10599192 D A | Closed | FCRE5771 | 2025-11-18 13:15 | 2025-11-21 09:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.85% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.77 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.61 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6291945 |
| 13979854 |  | 13979854 D B A | Closed | FPRO1244 | 2025-11-19 13:38 | 2025-11-21 14:32 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Waived-Exception granted with supporting comp factors: Min score on AVM - 90% Subject - 89% - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. An exception was made during underwriting and the approval was included in the loan file and is attached again for your review. - Buyer-11/21/2025 <br>Open-The AVM has a Confidence Score of only 89%. - Due Diligence Vendor-11/19/2025 |  | Waived-Exception granted with supporting comp factors: Min score on AVM - 90% Subject - 89% - Due Diligence Vendor-11/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 46.19 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 48.17% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LTV Max - 80% Subject - 46%<br> Mortgage - Multiple accounts with history dating back to 2018. NO lates reported | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6308744 |
| 14271789 |  | 14271789 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17670865 |  | 17670865 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10206499 |  | 10206499 B A | Closed | FCRE1502 | 2025-11-20 07:25 | 2025-11-20 17:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Subject Lien Details Do Not Meet Guideline Requirements | Waived-APPROVAL EXCEPTION WITH COMP FACTORS TO ALLOW THE USE OF VOM USING BANK STATEMENT TRANSCATION HISTORY FOR RATING.SENIOR LIEN LOAN MORTGAGE ASSUMED BY THE BORROWER IN xxx (NOT CONSIDERED A PURCHASE) WITH NO HOUSING HISTORY FOR THE SUBJECT PROPERTY UNDER THE BOROWER'S CREDIT REPORT. APPROVAL TO ALLOW THE USE OF VOM USING BANK STATEMENT TRANSCATION HISTORY FOR RATING. - Due Diligence Vendor-11/20/2025 |  | Waived-APPROVAL EXCEPTION WITH COMP FACTORS TO ALLOW THE USE OF VOM USING BANK STATEMENT TRANSCATION HISTORY FOR RATING.SENIOR LIEN LOAN MORTGAGE ASSUMED BY THE BORROWER IN 8/2025 (NOT CONSIDERED A PURCHASE) WITH NO HOUSING HISTORY FOR THE SUBJECT PROPERTY UNDER THE BOROWER'S CREDIT REPORT. APPROVAL TO ALLOW THE USE OF VOM USING BANK STATEMENT TRANSCATION HISTORY FOR RATING. - Due Diligence Vendor-11/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.78 Years | LTV IS RELETEVLY LOW AT 67.17%, BOTH APPRAISAL'S AND FIELD REVIEW SUPPORT HIGHER VALUE OF $1,180,000.00 FURTHER IMPOVING THE CLTV. INCOME APPEARS HIGHER DUE TO THE LOW EXPENSE RATIO, REDUCED FIGURED WAS USED TO MEET THE 20% RULE. BORROWER DOES HAVE ADDITIONAL INCOME THAT WAS NOT ACCOUNTED FOR WHICH WILL IMPROVE THE DTI. CUSTOME OWNS A PAIDOFF PROPERTY WITH SUBSTANTIAL AVAILABLE LIQUIDITY, A PROPERTY WITH NO LATE PAYMENTS IN THE PAST 36 MONTHS WITH A REMAINING BALANCE OF $20,174. ONLY $503 IN CONSUMER DEBT PAYMENTS. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6317602 |
| 10206499 |  | 10206499 B A | Closed | FVAL1039 | 2025-11-20 07:26 | 2025-11-20 17:12 | Waived | 2 - Non-Material B | Property | Value | Appraised value unsupported | Waived-APPROVED EXCEPTION WITH COMP FACTORS TO USE THE MARKET VALUE AS BASIS OF APPRAISED VALUE.APPRAISED VALUE LOAN MORTGAGE ASSUMED BY THE BORROWER IN xxx (NOT CONSIDERED A PURCHASE).<br> EXCEPTION TO USE THE MARKET VALUE AS BASIS OF APPRAISED VALUE. - Due Diligence Vendor-11/20/2025 |  | Waived-APPROVED EXCEPTION WITH COMP FACTORS TO USE THE MARKET VALUE AS BASIS OF APPRAISED VALUE.APPRAISED VALUE LOAN MORTGAGE ASSUMED BY THE BORROWER IN 8/2025 (NOT CONSIDERED A PURCHASE).<br> EXCEPTION TO USE THE MARKET VALUE AS BASIS OF APPRAISED VALUE. - Due Diligence Vendor-11/20/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.52% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.62 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.78 Years | LTV IS RELETEVLY LOW AT 67.17%, BOTH APPRAISAL AND FIELD REVIEW SUPPORT HIGHER VALYUE OF<br> $xxx FURTHER IMPOVING THE CLTV. INCOME APPEARS HIGHER DUE TO THE LOW EXPENSE RATIO, REDUCED FIGURED WAS USED TO<br> MEET THE 20% RULE. BORROWER DOES HAVE ADDITIONAL ICNOME THAT WAS NOT ACCOUNTED FOR WHICH WILL IMPROVE THE DTI.<br> CUSTOME OWNS A PAIDOFF PROPERTY WITH SUBSTANTIAL AVAILABLE LIQUIDTY, A PROPERTY WITH NO LATE PAYMENTS IN THE PAST 36<br> MONTHS WITH A REMAINING BALANCE OF $xxx. ONLY $xxx IN CONSUMER DEBT PAYMENTS. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6317621 |
| 14124010 |  | 14124010 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15369322 |  | 15369322 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 19713855 |  | 19713855 D B A C | Closed | finding-3652 | 2025-11-20 06:05 | 2025-12-16 08:52 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025 <br> Resolved- - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Counter-The previous recourse to this is correct as initially stated. The issue with the transfer tax fee going down from xxx to xxx is an issue because the COC on xxx stated that the loan amount went down which is when the transfer tax should have gone down as well but the transfer tax on that CD dated xxx still stated the transfer tax at xxx. The document (CD on xxx) goes with the event (COC on xxx). When the fee went down on the CD dated xxx was not tied to a new event. The only available resoltion is to cure the xxx with the standard cure provisions. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please escalate this matter to xxx Compliance, thank you! - Seller-12/02/2025 <br> Counter-Good morning -- On xxx at a loan amount of xxx, the lender specific credit for transfer tax was disclosed at xxx. On xxx the loan amount was reduced to xxx, however the amount of the specific credit for transfer tax was "redisclosed" inaccurately to the borrower in the amount of xxx. This is a Lender Error as the change to the loan amount is the event that would have allowed the lender to reduce the amount of the specific credit for the transfer tax. This amount cannot be reduced in a later Closing Disclosure, as without a new change of circumstance event, the amount is binding. ----- The only available resolution available to the lender now is a 0% tolerance cure in the amount of xxx. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-That amount is the lender paid portion of the mortgage tax. In xxx the lender is responsible for paying ¼ point of the mortgage tax. That is not a lender credit, so the change is okay to be made without a COC. <br>Thank you,<br>xxx<br> Closer<br>xxx \| xxx<br>- Seller-11/26/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*The final amount of lender credits decreased. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Ready for Review-Document Uploaded. Please escalate this matter to xxx Compliance, thank you! - Seller-12/02/2025 <br> Ready for Review-That amount is the lender paid portion of the mortgage tax. In xxx the lender is responsible for paying ¼ point of the mortgage tax. That is not a lender credit, so the change is okay to be made without a COC. <br>Thank you,<br>xxx<br> xxx<br>- Seller-11/26/2025 | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/16/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 69.49% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.12 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6316894 |
| 19713855 |  | 19713855 D B A C | Closed | FCRE1161 | 2025-11-20 01:24 | 2025-12-02 07:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Open-Missing Flood Certificate - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-12/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 69.49% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 26.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.12 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6315469 |
| 10089895 |  | 10089895 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10126635 |  | 10126635 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18839855 |  | 18839855 D A | Closed | FCRE5770 | 2025-11-19 13:17 | 2025-11-21 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6308310 |
| 18839855 |  | 18839855 D A | Closed | FCRE5771 | 2025-11-19 13:17 | 2025-11-21 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-Borrower 2 Credit Report is Missing. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-11/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.27 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6308311 |
| 14271555 |  | 14271555 C A | Closed | finding-47 | 2025-11-21 01:57 | 2025-11-26 14:56 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025 <br>Resolved- - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*The Final CD's disbursement date is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.49% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.79 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.80 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6335758 |
| 19609521 |  | 19609521 D A C | Closed | FPRO1244 | 2025-11-21 12:19 | 2025-11-26 16:03 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>|  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.34 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.34 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6343439 |
| 19609521 |  | 19609521 D A C | Closed | finding-47 | 2025-11-21 02:09 | 2025-11-26 14:48 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.08 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 37.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.34 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.34 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6335798 |
| 16464551 |  | 16464551 D A | Closed | FCRE1467 | 2025-11-21 18:17 | 2025-12-19 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. No assets required on xxx. Uploaded corrected 1003. - Seller-12/18/2025 <br> Open-Asset 1 Missing - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. No assets required on Vista Equity Solutions program. Uploaded corrected 1003. - Seller-12/18/2025<br>| Resolved-Asset 1 Provided - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.42 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.65% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.03 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6349398 |
| 16464551 |  | 16464551 D A | Closed | FCRE1468 | 2025-11-21 18:17 | 2025-12-19 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025 <br> Ready for Review-No assets required on xxx. Uploaded corrected 1003. - Seller-12/18/2025 <br> Counter-Document Uploaded. Apologies for the confusion, Final 1003 reflects xxx (Mutual Funds) with a cash/market value of xxx - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Asset 2 Missing - Due Diligence Vendor-11/21/2025 | Ready for Review-No assets required on Vista Equity Solutions program. Uploaded corrected 1003. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.42 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 48.65% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.03 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 38.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.57 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6349399 |
| 12746634 |  | 12746634 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17958162 |  | 17958162 D A | Closed | FCRE1503 | 2025-11-22 06:01 | 2025-11-28 04:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Lender provided mortgage statement - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-11/26/2025 <br> Open-Missing the Mortgage Statement for xxx. xxx Acct xxx; - Due Diligence Vendor-11/22/2025 |  | Resolved-Lender provided mortgage statement - Due Diligence Vendor-11/28/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.60 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6353710 |
| 12287475 |  | 12287475 D A | Closed | FCRE9549 | 2025-11-24 22:01 | 2025-11-28 06:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Lender provided additional information. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. Borrower's primary residence is in wife's name. Per our guidelines, if we don't have 12 months of primary housing history, history from another property can be used. - Buyer-11/28/2025 <br> Open-Missing credit supplement or VOM for xxx. (mortgage originated xxx) for primary residence xxx, xxx, xxx. Per GL 8.10.4 A satisfactory mortgage history for the previous twelve (12) months is required for the borrower's primary residence, as well as the subject property. - Due Diligence Vendor-11/25/2025 |  | Resolved-Lender provided additional information. - Due Diligence Vendor-11/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.55% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6376418 |
| 17755321 |  | 17755321 D A | Closed | FCRE3653 | 2025-11-25 12:13 | 2025-11-28 06:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Lender provided LOE cash out for remodel - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-11/28/2025 <br>Open-Missing B1's letter of explanation regarding the use of loan funds for cash-out refinance transactions per GL 4.1.2 requirement. - Due Diligence Vendor-11/25/2025 |  | Resolved-Lender provided LOE cash out for remodel - Due Diligence Vendor-11/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6385547 |
| 17755321 |  | 17755321 D A | Closed | FCRE8611 | 2025-11-25 12:12 | 2025-11-28 06:17 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Lender provided additional information. - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. Please see attached 1099. P & L not required since this was prior employment. Not used for qualifying. - Buyer-11/28/2025 <br> Open-Missing B2's 2024 W-2 for xxx (per Final 1003, page 531) and verification of YTD earnings from January 2025 through April 13, 2025. Transcripts for 2023 and 2024 are provided, along with W-2s for only B1. - Due Diligence Vendor-11/25/2025 |  | Resolved-Lender provided additional information. - Due Diligence Vendor-11/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.77% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6385536 |
| 15616369 |  | 15616369 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16725045 |  | 16725045 D B A | Closed | FVAL9739 | 2025-11-28 04:35 | 2025-11-28 04:35 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Lender exception to 89% confidence factor instead of 90% minimum. - Due Diligence Vendor-11/28/2025 |  | Waived-Lender exception to 89% confidence factor instead of 90% minimum. - Due Diligence Vendor-11/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Is Below the Guideline Maximum Original CLTV Of 71.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 13.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 | LTV 71.2%<br> Multiple accounts with history to 2021, No lates reported. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6415139 |
| 16725045 |  | 16725045 D B A | Closed | FPRO1242 | 2025-11-22 18:10 | 2025-11-28 04:32 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-AVM received - Due Diligence Vendor-11/28/2025 <br> Resolved-Appraisal has been provided - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-11/26/2025 <br> Open-Appraisal is Missing Valuation product showing qualifying value xxx is missing - Due Diligence Vendor-11/23/2025 |  | Resolved-AVM received - Due Diligence Vendor-11/28/2025 <br>Resolved-Appraisal has been provided - Due Diligence Vendor-11/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Is Below the Guideline Maximum Original CLTV Of 71.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 13.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6354909 |
| 16725045 |  | 16725045 D B A | Closed | FCRE1182 | 2025-11-22 18:59 | 2025-11-28 04:21 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-11/27/2025 <br>Open-1008/Underwriting Summary Not Provided Provide the Underwriting Transmittal -1008 form - Due Diligence Vendor-11/22/2025 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-11/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Is Below the Guideline Maximum Original CLTV Of 71.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 13.48 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6354940 |
| 15528773 |  | 15528773 C A | Closed | FCRE1440 | 2025-11-24 06:08 | 2025-11-28 04:52 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/28/2025 <br> Resolved-Lender provided more current credit report showing paid as agreed thru xxx - Due Diligence Vendor-11/28/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Mortgage with xxx payment due also shows xxx payment is past due and late fee was charged. Please provide other verification of housing history or lender exception. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-Housing History Does Not Meet Guideline Requirements TPR could only verify mtg payments on the 1st mtg up to xxx. Statement under doc pg #283 reflects that the loan is due for xxx (credit reflects payment history up to xxx) and there is no supporting documentation that xxx and xxx mtg payments were made on time. Loan closed xxx - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/28/2025 <br> Resolved-Lender provided more current credit report showing paid as agreed thru xxx - Due Diligence Vendor-11/28/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.46 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6358827 |
| 15528773 |  | 15528773 C A | Closed | FCRE1118 | 2025-11-24 09:28 | 2025-11-24 17:08 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached corrected deed - Seller-11/24/2025 <br> Open-\*\*\*Mortgage's notary date is xxx; documents in the file indicate closing was on xxx. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached corrected deed - Seller-11/24/2025<br>| Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-11/24/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.83 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.46 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6361084 |
| 14407685 |  | 14407685 C A | Closed | finding-47 | 2025-11-24 01:17 | 2025-11-26 14:29 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> Cancelation date xxx is same as Final CD disbursement date, please provide PCCD with the updated disbursement date after cancel date. Thank you.<br> - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/25/2025 <br> Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-\*\*\*Received PCCD - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.36 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.36 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 39.83% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6357581 |
| 17004562 |  | 17004562 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14260524 |  | 14260524 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18742035 |  | 18742035 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12591551 |  | 12591551 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 14214854 |  | 14214854 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17608417 |  | 17608417 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15269852 |  | 15269852 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18663120 |  | 18663120 D A | Closed | FCOM1206 | 2025-11-24 04:29 | 2025-11-28 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-11/26/2025 <br>Open-The Note is Missing The fully executed Note and any associated addendums are missing. - Due Diligence Vendor-11/24/2025 |  | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-11/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.18% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.83 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6358310 |
| 14865087 |  | 14865087 D A | Closed | FCOM1206 | 2025-11-24 02:37 | 2025-12-01 09:07 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Open-The Note is Missing - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-12/01/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.50 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.57% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6357873 |
| 11081332 |  | 11081332 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11617194 |  | 11617194 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12676885 |  | 12676885 D A | Closed | FCRE2109 | 2025-11-26 07:58 | 2025-12-03 18:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/28/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary Missing a copy of the lender's worksheet for income to reflect the xxx qualifying income - Due Diligence Vendor-11/26/2025 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-11/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6397385 |
| 12676885 |  | 12676885 D A | Closed | FCRE1201 | 2025-11-24 08:51 | 2025-11-28 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/28/2025 <br>Ready for Review-Document Uploaded. - Seller-11/28/2025 <br>Open-Missing Third Party Fraud Report Missing the Third Party Fraud Report - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/28/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-11/28/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6360320 |
| 17446523 |  | 17446523 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13482734 |  | 13482734 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 17016016 |  | 17016016 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15864163 |  | 15864163 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18370838 |  | 18370838 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10156503 |  | 10156503 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13655746 |  | 13655746 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15438916 |  | 15438916 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11948257 |  | 11948257 D A | Closed | FCRE4963 | 2025-11-28 22:58 | 2025-12-18 12:09 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-xxx" Auto Loan being Paid by someone else was provided. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. These were included in the loan file. - Seller-12/17/2025 <br> Counter-The condition is asking for Proof of Payment history for "xxx" Auto Loan being Paid by someone else. the xxx Bank payment history was only provided supporting xxx per month being excluded. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Rebut-the name on the statements don't reflect the borrower/are a different party. Sufficient documentation has been provided to show that the payments are paid by someone other than the borrower. Please clear. - Seller-12/13/2025 <br> Counter-Missing Proof of Payment history for "xxx" Auto Loan being Paid by someone else. The 12 month xxx Bank payment history was only provided supporting xxx per month being excluded. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. Rebut - both payments are being paid by a 3rd party and documentation was in the file to support. Please see attached. - Seller-12/04/2025 <br> Counter-Lender 1008 states All Other Payments xxx however Audit review shows a total of xxx which includes the 2 Installment Auto loans from xxx Bank acct xxx and xxx Credit. These appear to have been excluded from the ratios. Missing supporting documentation to exclude these dents from the ratios. Additional conditions may apply - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/03/2025 <br> Open-Provide documentation to verify xxx Bank acct xxx and xxx Credit acct xxx were paid at closing - Closing Disclosure provided (page 150) does not support the exclusion of these debts (additional conditions may be required); - Due Diligence Vendor-11/29/2025 | Ready for Review-Document Uploaded. Please see attached. These were included in the loan file. - Seller-12/17/2025 <br>Ready for Review-Rebut-the name on the statements don't reflect the borrower/are a different party. Sufficient documentation has been provided to show that the payments are paid by someone other than the borrower. Please clear. - Seller-12/13/2025 <br>Ready for Review-Document Uploaded. Rebut - both payments are being paid by a 3rd party and documentation was in the file to support. Please see attached. - Seller-12/04/2025<br>| Resolved-xxx" Auto Loan being Paid by someone else was provided. - Due Diligence Vendor-12/18/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.95 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6421656 |
| 11948257 |  | 11948257 D A | Closed | FCRE1193 | 2025-11-28 22:36 | 2025-12-18 12:07 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 47.55% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Rebut-the current figures are correct-P & 1 = xxx, Ins (2 policies) - xxx, and taxes xxx = xxx and is higher than the actual payment. - Buyer-12/03/2025 <br> Open-Audited DTI of 54.68% exceeds Guideline DTI of 50% DTI Variance due to the increase in the Senior Mortgage payment from xxx to xxx. Based on xxx (1st Mtg escrow amt) minus xxx audited escrow (1008) = xxx escrow shortage added to the 1st mtg P&I xxx = xxx escrow shortage added to first mortgage payment total for Monthly Payment of Other Lien; - Due Diligence Vendor-11/29/2025 |  | Resolved-Audited DTI of 47.55% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/04/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.95 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6421654 |
| 11948257 |  | 11948257 D A | Closed | FCRE1158 | 2025-11-28 21:51 | 2025-12-02 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. was in the file. see attached. - Seller-12/02/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing Dwelling Coverage amount for xxx Policy# CA xxx - Due Diligence Vendor-11/29/2025 | Ready for Review-Document Uploaded. was in the file. see attached. - Seller-12/02/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/02/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.75% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.95 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6421645 |
| 17667481 |  | 17667481 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16383560 |  | 16383560 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19264336 |  | 19264336 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 11099550 |  | 11099550 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14703369 |  | 14703369 D B A | Closed | FCRE1145 | 2025-11-26 04:49 | 2025-12-02 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Title Document is missing Provide Title Documents for the Subject Property " xxx". - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-12/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.93% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.55 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6396094 |
| 14703369 |  | 14703369 D B A | Closed | FCRE2109 | 2025-12-01 10:06 | 2025-12-02 08:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary Missing lender worksheet - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/02/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.93% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.55 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6427849 |
| 14703369 |  | 14703369 D B A | Closed | FCRE1197 | 2025-11-26 05:58 | 2025-11-26 06:29 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of xxx is less than Guideline FICO of xxx GUIDELINES REQUIRE MINIMUM 680 FICO REQUESTING xxx FICO. - Due Diligence Vendor-11/26/2025 |  | Waived-Audited FICO of xxx is less than Guideline FICO of 680 GUIDELINES REQUIRE MINIMUM 680 FICO REQUESTING xxx FICO. - Due Diligence Vendor-11/26/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.93% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.55 Years | 54.926% CLTV<br> 6.097% DTI<br> 30 MONTHS RESERVES |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6396504 |
| 14703369 |  | 14703369 D B A | Closed | FPRO1251 | 2025-11-26 06:28 | 2025-11-26 06:28 | Waived | 2 - Non-Material B | Credit | Eligibility | Property Zoning Does Not Meet Program Requirements | Waived-GUIDELINES DO NOT ALLOW FOR AGRICULTURE ZONING REQUESTING APPROVAL TO ALLOW FOR AGRICULTURE ZONING AS THIS SUBJECT PROPERTY IS RESIDENTIAL IN NATURE AND SURROUNDED BY HIGHEND LOW DENSITY HOUSING LOTS. - Due Diligence Vendor-11/26/2025 |  | Waived-GUIDELINES DO NOT ALLOW FOR AGRICULTURE ZONING REQUESTING APPROVAL TO ALLOW FOR AGRICULTURE ZONING AS THIS SUBJECT PROPERTY IS RESIDENTIAL IN NATURE AND SURROUNDED BY HIGHEND LOW DENSITY HOUSING LOTS. - Due Diligence Vendor-11/26/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.93% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.55 Years | 54.926% CLTV<br> 6.097% DTI<br> 30 MONTHS RESERVES |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6396663 |
| 14703369 |  | 14703369 D B A | Closed | FCRE2515 | 2025-11-26 06:26 | 2025-11-26 06:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Credit history does not meet guidelines | Waived-LQCC REPORT SHOW THE BORROWER IS CURRENTLY 30 DAYS LOAN ON AN AUTO LOAN (xxx) PRIOR TO CLOSING. GUIDELINES<br> REQUIRE ALL DELIQUENT NON-MORTGAGE ACCOUNT TO BE BROUGHT CURRENT PRIOR TO CLOSING.<br> REQUESTING THAT WE WAIVE THE REQUIREMENT TO HAVE THIS 30 DAYS AUTO LOAN LATE PAID OFF PRIOR TO CLOSE AS AN ACCOMODATION<br> TO THE BORROWER, AND POST SHIP FOR A CREDIT SUPPLEMENT EVIDENCING THE AUTO LOAN WAS BROUGT CURRENT, AS THIS WAS THE ONLY<br> LATE ON THE ACCOUNT FOR THE LAST 17 MONTHS - Due Diligence Vendor-11/26/2025 |  | Waived-LQCC REPORT SHOW THE BORROWER IS CURRENTLY 30 DAYS LOAN ON AN AUTO LOAN (xxx) PRIOR TO CLOSING. GUIDELINES<br> REQUIRE ALL DELIQUENT NON-MORTGAGE ACCOUNT TO BE BROUGHT CURRENT PRIOR TO CLOSING.<br> REQUESTING THAT WE WAIVE THE REQUIREMENT TO HAVE THIS 30 DAYS AUTO LOAN LATE PAID OFF PRIOR TO CLOSE AS AN ACCOMODATION<br> TO THE BORROWER, AND POST SHIP FOR A CREDIT SUPPLEMENT EVIDENCING THE AUTO LOAN WAS BROUGT CURRENT, AS THIS WAS THE ONLY<br> LATE ON THE ACCOUNT FOR THE LAST 17 MONTHS - Due Diligence Vendor-11/26/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 6.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.79 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.93% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.56 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.55 Years | 54.926% CLTV<br> 6.097% DTI<br> 30 MONTHS RESERVES |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6396658 |
| 14501212 |  | 14501212 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12003074 |  | 12003074 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17312831 |  | 17312831 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13041154 |  | 13041154 D A | Closed | FCRE3978 | 2025-12-01 12:17 | 2025-12-05 08:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed and Dated Credit Inquiry provided. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Missing Signed and dated LOE from B1 & B2 for Credit inquiries within the last 90 days (xxx through xxx = 83 days); - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Signed and Dated Credit Inquiry provided. - Due Diligence Vendor-12/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.03% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.21 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6430451 |
| 13909376 |  | 13909376 D A | Closed | FCRE1292 | 2025-11-26 17:29 | 2025-12-09 11:38 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Income 1 Months Income Verified is Missing - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6409660 |
| 13909376 |  | 13909376 D A | Closed | FCRE1316 | 2025-11-26 18:14 | 2025-12-09 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410094 |
| 13909376 |  | 13909376 D A | Closed | FCRE1330 | 2025-11-26 18:14 | 2025-12-09 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 1 Paystubs Missing Borrower 1 - Paystubs Missing to Verify income from 'xxx' employer - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-12/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410095 |
| 13909376 |  | 13909376 D A | Closed | FCRE1328 | 2025-11-26 18:14 | 2025-12-09 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Borrower 1 W2/1099 Missing Borrower 1 W2/1099 - Missing to Verify income from 'xxx' employer - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-12/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410096 |
| 13909376 |  | 13909376 D A | Closed | FCRE2109 | 2025-11-26 18:14 | 2025-12-09 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet is missing | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Missing Lender Worksheet or Bank Statement Summary to Verify income from 'xxx' employer - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/09/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.31% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410097 |
| 19893875 |  | 19893875 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12114455 |  | 12114455 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18372594 |  | 18372594 D A | Closed | FCRE7497 | 2025-11-26 07:16 | 2025-12-07 08:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report provided (vacant land) no HOI - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-Missing verification of taxes, insurance, and HOA fees (if applicable) for B1's second home (non-subject/REO property) at Shorter xxx. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Property report provided (vacant land) no HOI - Due Diligence Vendor-12/07/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.89 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.88 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6397009 |
| 10026468 |  | 10026468 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11289117 |  | 11289117 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14763973 |  | 14763973 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11701177 |  | 11701177 C B A | Closed | finding-3632 | 2025-12-01 13:17 | 2025-12-17 18:54 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: AVM Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>|  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.13 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6431620 |
| 11701177 |  | 11701177 C B A | Closed | finding-3634 | 2025-12-01 13:17 | 2025-12-17 18:54 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-\*\*\*\*\* The following charges have been either added or increased: AVM Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.13 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6431618 |
| 11701177 |  | 11701177 C B A | Closed | finding-3631 | 2025-12-01 13:17 | 2025-12-17 18:54 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/11/2025 <br> Open-\*\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: AVM Fee resulting in a 0% tolerance cure in the amount of xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Cured-Curative PCCD, LOE, copy of refund check and proof of mailing, has been provided - Due Diligence Vendor-12/17/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.13 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.69 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.02% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6431619 |
| 17117611 |  | 17117611 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15381660 |  | 15381660 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12799668 |  | 12799668 C A | Closed | FVAL2477 | 2025-12-02 19:38 | 2025-12-04 08:30 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-PDI with images provided. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/03/2025 <br>Open-Missing the Property Condition Inspection report required to accompany the AVM per GL requirements. The Compliance task indicates this is not an HPML loan; therefore, a full 1004 appraisal is not required, but the PCI report is per GL. - Due Diligence Vendor-12/03/2025 |  | Resolved-PDI with images provided. - Due Diligence Vendor-12/04/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.84 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 54.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.84 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 56.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.49% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.29% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6456740 |
| 16429184 |  | 16429184 D A | Closed | FCRE5782 | 2025-12-03 11:17 | 2025-12-04 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.75 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.74 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6464992 |
| 16429184 |  | 16429184 D A | Closed | FCRE5783 | 2025-12-03 11:17 | 2025-12-04 11:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Borrower 2 Gap Credit Report is Missing The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-12/04/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 10.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 10.5 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.75 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.75 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.74 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.74 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6464993 |
| 16141442 |  | 16141442 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12629383 |  | 12629383 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18763445 |  | 18763445 C A | Closed | FCRE1183 | 2025-12-02 10:20 | 2025-12-11 11:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. I have no idea why it would matter if the senior lien balance were different since we used the higher amount and for the auto payment, I don't know what they are referring to, everything looks good to me. <br>Thank you,<br> --<br> xxx <br> xxx – xxx<br> - Seller-12/09/2025 <br> Open-1008/Underwriting Summary Partially Provided Updated 1008 showing the Audited CLTV/HCLTV- Senior Lien loan amount updated from xxx to xxx per the Mtg Stmt & Credit Fresh balances;<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. I have no idea why it would matter if the senior lien balance were different since we used the higher amount and for the auto payment, I don't know what they are referring to, everything looks good to me. <br>Thank you,<br> --<br> xxx - Seller-12/09/2025 | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.32 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6445297 |
| 18763445 |  | 18763445 C A | Closed | FCRE1193 | 2025-12-03 12:53 | 2025-12-11 11:40 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 42.03% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/11/2025 <br> Resolved-Updated 1008 with audited DTI provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. I have no idea why it would matter if the senior lien balance were different since we used the higher amount and for the auto payment, I don't know what they are referring to, everything looks good to me. <br>Thank you,<br> --<br> xxx <br> xxx – xxx<br> - Seller-12/09/2025 <br> Open-DTI Variance:<br> • Senior lien payment was incorrectly calculated by adding the escrow shortage to the first mortgage payment. The correct payment is xxx instead of xxx.<br> • Additional DTI variance is due to the Auto payment of xxx per month (page 171). - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. I have no idea why it would matter if the senior lien balance were different since we used the higher amount and for the auto payment, I don't know what they are referring to, everything looks good to me. <br>Thank you,<br> --<br> xxx <br> xxx – xxx<br> - Seller-12/09/2025<br>| Resolved-Audited DTI of 42.03% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/11/2025 <br>Resolved-Updated 1008 with audited DTI provided. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.32 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.65% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6468674 |
| 14242059 |  | 14242059 C A | Closed | FVAL2477 | 2025-12-03 14:57 | 2025-12-16 08:15 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-E&O provided. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Missing Appraiser E&O insurance effective as of the date of the appraisal report - xxx - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-E&O provided. - Due Diligence Vendor-12/16/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.37% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6471762 |
| 14242059 |  | 14242059 C A | Closed | FCRE6911 | 2025-12-03 14:12 | 2025-12-08 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008 with Audited DTI of 22.94% provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-DTI variance due to the updated Senior/1st Mtg Payment to included escrow shortage updated to xxx versus xxx; - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Updated 1008 with Audited DTI of 22.94% provided - Due Diligence Vendor-12/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 77.37% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.73 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6470752 |
| 19892312 |  | 19892312 C A | Closed | FCRE6911 | 2025-12-03 15:21 | 2025-12-11 07:40 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008, 1003 & PCCD provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. Please see attached updated 1008 and 1003 for the investor. They are also going to need a PCCD with the updated info. - Seller-12/09/2025 <br> Open-DTI Variance - Due to discrepancy between Senior Lien payment incorrectly listed as escrow shortage added to first mortgage payment – updated to xxx versus xxx; - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Please see attached updated 1008 and 1003 for the investor. They are also going to need a PCCD with the updated info. - Seller-12/09/2025<br>| Resolved-Updated 1008, 1003 & PCCD provided. - Due Diligence Vendor-12/11/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.86 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.87 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.11% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6472237 |
| 16413237 |  | 16413237 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16658767 |  | 16658767 D A | Closed | FCRE6911 | 2025-12-03 19:04 | 2025-12-11 11:48 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008 reflecting Audited DTI provided. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Counter-Document Uploaded. Apologies for the confusion, the 1st Lien P&I + MI is xxx - The Lenders 1008 did not include the 1st Lien P&I - Audited Ratios are 17.12%/42.94% vs Lenders 10.90%/36.722% - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-The DTI variance greater than 2% is due to the first mortgage payment not being reported on the 1008, as well as a discrepancy in the senior lien payment. The senior lien payment was incorrectly calculated — the escrow shortage needed to be added to the first mortgage payment — resulting in an updated payment of xxx rather than xxx. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Updated 1008 reflecting Audited DTI provided. - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6475731 |
| 16658767 |  | 16658767 D A | Closed | FCRE3653 | 2025-12-03 18:53 | 2025-12-08 11:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided stating The reason I do a cash out loan is to pay off some of my high-interest rate debts. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Missing signed and dated B1 LOE use of Cash out proceeds. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Cash out letter provided stating The reason I do a cash out loan is to pay off some of my high-interest rate debts. - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.89 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6475679 |
| 11789867 |  | 11789867 D A | Closed | FCRE1158 | 2025-12-02 07:09 | 2025-12-09 11:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing both liens loan mortgagee clauses and loan #. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.48% Is Less Than The Guideline Maximum Calculated DTI Of 36.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.13 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Les Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6442222 |
| 11789867 |  | 11789867 D A | Closed | FCRE1803 | 2025-12-03 15:40 | 2025-12-09 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Schedule of Real Estate all Parties Incomplete | Resolved-Corrected Final 1003 provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Property address correction required xxx is the correct address. The REO section has the address listed as xxx. xxx Bank xxx - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Corrected Final 1003 provided. - Due Diligence Vendor-12/09/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.48% Is Less Than The Guideline Maximum Calculated DTI Of 36.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.13 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.88% Is Below the Guideline Maximum Original CLTV Of 74.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 66.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Les Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6472676 |
| 16265337 |  | 16265337 D A | Closed | FPRO1244 | 2025-12-05 10:57 | 2025-12-07 09:42 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Cu Score provided. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. xxx SSR attached, however this is not required by guidelines. - Seller-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. xxx SSR attached, however this is not required by guidelines. - Seller-12/05/2025 | Resolved-Cu Score provided. - Due Diligence Vendor-12/07/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.36% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6503562 |
| 16985575 |  | 16985575 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10206558 |  | 10206558 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10530969 |  | 10530969 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 10356464 |  | 10356464 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17293609 |  | 17293609 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 14505846 |  | 14505846 D A | Closed | FCOM1544 | 2025-12-04 07:25 | 2025-12-08 09:10 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. here you go. - Seller-12/05/2025 <br> Counter-\*\*\*Received copy of PCCD issued xxx. Canopy is requesting a copy of the CD issued xxx disclosed to the borrower at closing that includes all pages. The page with the Loan Calculations is missing. Lender to provide for review. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Counter-Still missing copy of the Final CD with all pages. Copy in the original file is missing the last page. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-see attached, i believe was in the folder. - Seller-12/04/2025 <br> Open-TRID: Missing Final Closing Disclosure Final CD in file dated xxx is missing page 5 and does not satisfy Compliance Testing. Compliance Testing results are incomplete until complete disclosures are received. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. here you go. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-see attached, i believe was in the folder. - Seller-12/04/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-12/08/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.41% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6480388 |
| 14505846 |  | 14505846 D A | Closed | FCOM1229 | 2025-12-02 15:18 | 2025-12-05 15:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | 1-4 Family Rider is Missing | Resolved-\*\*Received Rider - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/05/2025 <br>Counter-\*\*\*Still missing copy of the Mortgage/Deed of Trust with all pages. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. in the file, see attached. - Seller-12/04/2025 <br>Open-1-4 Family Rider is Missing - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. in the file, see attached. - Seller-12/04/2025<br>| Resolved-\*\*Received Rider - Due Diligence Vendor-12/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.41% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453771 |
| 14505846 |  | 14505846 D A | Closed | FCOM1220 | 2025-12-02 14:52 | 2025-12-05 15:31 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Counter-\*\*\*Still missing copy of the Mortgage/Deed of Trust with all pages. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-uploaded to a different comment - Seller-12/04/2025 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-uploaded to a different comment - Seller-12/04/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-12/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.41% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453256 |
| 14505846 |  | 14505846 D A | Closed | FCOM1206 | 2025-12-02 14:50 | 2025-12-05 10:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-\*\*received executed copy of the Note. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-uploaded to a different comment. - Seller-12/04/2025 <br>Open-The Note is Missing - Due Diligence Vendor-12/02/2025 | Ready for Review-uploaded to a different comment. - Seller-12/04/2025<br>| Resolved-\*\*received executed copy of the Note. - Due Diligence Vendor-12/05/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.41% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.88 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453224 |
| 11414817 |  | 11414817 D A | Closed | FCRE1252 | 2025-12-04 14:48 | 2025-12-08 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/06/2025 <br>Open-Title Document is Incomplete Missing title commitment including all schedules, a 24-month chain of title, and documentation of real estate taxes paid and/or due, along with any listed acceptable exclusions. (Only supplement report provided) - Due Diligence Vendor-12/04/2025 |  | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.74% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6491076 |
| 11414817 |  | 11414817 D A | Closed | FCRE1813 | 2025-12-04 16:06 | 2025-12-08 13:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Overview Incomplete | Resolved-verification of CPA License still active stating Valid thru xxx provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/06/2025 <br> Open-Missing updated proof of an active tax preparer license. The P&L preparer's license expired on xxx; updated documentation is required to verify an active license for the preparer of the P&L statement for xxx. - Due Diligence Vendor-12/04/2025 |  | Resolved-verification of CPA License still active stating Valid thru xxx provided. - Due Diligence Vendor-12/08/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.74% Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6492628 |
| 17646150 |  | 17646150 D A | Closed | FCRE9549 | 2025-12-04 11:49 | 2025-12-07 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-12 months of mortgage history provided. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/04/2025 <br> Open-Missing Mortgage payment history for xxx for the past 12 month (credit history reported on the CBR last reported/DLA is xxx); - Due Diligence Vendor-12/04/2025 |  | Resolved-12 months of mortgage history provided. - Due Diligence Vendor-12/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6486100 |
| 17646150 |  | 17646150 D A | Closed | FCRE9163 | 2025-12-04 12:02 | 2025-12-07 08:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Note, HOI & Tax Cert provided - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. Please see attached. Brand new loan, so no statement yet. Note and HUD 1 confirming escrows, along with an updated 1008. - Buyer-12/04/2025 <br> Open-Provide a copy of the new mortgage payment statement for VPM account xxx reflecting the xxx loan amount and the monthly mortgage payment of xxx for xxx, and confirm whether this payment includes PITI. - Due Diligence Vendor-12/04/2025 |  | Resolved-Note, HOI & Tax Cert provided - Due Diligence Vendor-12/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6486554 |
| 17646150 |  | 17646150 D A | Closed | FCRE7497 | 2025-12-02 12:40 | 2025-12-07 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOI & Tax Cert provided. - Due Diligence Vendor-12/07/2025 <br> Ready for Review-Document Uploaded. Please see attached, and no HOA (4-unit property) - Buyer-12/04/2025 <br> Open-Missing a copy of the current/active HOI policy to verify the annual premium for xxx used in the REO Income worksheet, as well as confirmation of the HOA fee (if applicable/validate) which reflects a total monthly expenses of xxx.<br>(For the Following Property Hazard Insurance Missing xxx) - Due Diligence Vendor-12/02/2025 |  | Resolved-HOI & Tax Cert provided. - Due Diligence Vendor-12/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.26% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 73.72 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6450124 |
| 17017764 |  | 17017764 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14271535 |  | 14271535 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15769232 |  | 15769232 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 10515883 |  | 10515883 D A C | Closed | FCRE1344 | 2025-12-04 07:59 | 2025-12-09 12:51 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Sept 2025 bank statement provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open- September 2025 statement for xxx Account xxx is missing from the file. Guidelines require most current statement. Application was taken xxx. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Sept 2025 bank statement provided. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6480666 |
| 10515883 |  | 10515883 D A C | Closed | FCRE7497 | 2025-12-04 02:07 | 2025-12-09 12:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA statement provided. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. xxx shows the property is in xxx.<br> HOA bill attached. - Seller-12/08/2025 <br> Open-Missing verification of HOA fees for xxx - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. Zillow shows the property is in xxx.<br> HOA bill attached. - Seller-12/08/2025 | Resolved-HOA statement provided. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6478922 |
| 10515883 |  | 10515883 D A C | Closed | finding-47 | 2025-12-04 08:39 | 2025-12-09 10:11 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/09/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.75 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6481159 |
| 19391979 |  | 19391979 D A | Closed | FCOM1206 | 2025-12-04 06:26 | 2026-01-29 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Both the Note and Addendum are there. i just added again. - Buyer-12/10/2025 <br> Counter-PPP Rider was provided however condition is for Missing Signed Note for Subject Property located at xxx - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. here you go. - Buyer-12/09/2025 <br> Counter-Missing Signed Note for Subject Property located at xxx - the Note provided is for xxx - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. here you go. - Buyer-12/05/2025 <br> Counter-The condition is for Missing the Signed Note from the loan file. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. see attached DOT and Rider. note was uploaded to a different folder. i believe this was in the folder - Buyer-12/04/2025 <br> Open-The Note is Missing - Due Diligence Vendor-12/04/2025 |  | Resolved-The Note is Present - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 124.04 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of xxx By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6479911 |
| 16780268 |  | 16780268 C A | Closed | FCOM1207 | 2025-12-04 16:52 | 2026-01-29 17:42 | Resolved | 1 - Information C A | Compliance | Closing Package | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-12/08/2025 <br>Open-The Note is Not Executed - Due Diligence Vendor-12/04/2025 |  | Resolved-The Note is Executed - Due Diligence Vendor-12/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6493400 |
| 16561157 |  | 16561157 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 19198113 |  | 19198113 B A | Closed | FCRE1200 | 2025-12-04 18:16 | 2025-12-05 13:57 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Exception found on pg 225 for loan amount - Due Diligence Vendor-12/04/2025 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Exception found on pg 225 for loan amount - Due Diligence Vendor-12/04/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6494584 |
| 18309907 |  | 18309907 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10037780 |  | 10037780 C A | Closed | finding-1737 | 2025-12-05 05:44 | 2025-12-12 10:26 | Resolved | 1 - Information C A | Compliance | State Reg | MI Lender Retained Fees Test | Resolved-A definitive mathematical relationship between discount points paid and the interest rate obtained, has been provided, thank you - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. 10.75% per lock desk. see attached.<br> - Buyer-12/11/2025 <br> Counter-This is a Primary Residence in Michigan (not a BPL in TX). Michigan requires a definitive mathematical relationship between discount points paid and the interest rate obtained via undiscounted/start/Par rate(for bona-fide exclusion) or a rate sheet or pricing engine. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Please escalate this. our counsel including outside counsel view Tx finance Code section 342. xxx as Consumer not applicable to BPL loans.<br>On a business-purpose second mortgage loan, generally the only concern you would have is Texas's usury cap. It is based off of a formula called the "weekly rate" and is at least 18%. Currently it is xxx. Other than the usury cap, there wouldn't be any fee limitations for a business-purpose second.-- from xxx (outside counsel). - Buyer-12/09/2025 <br> Counter-Hi xxx ---- requested information uploaded. \*\*\*\*\*\*\*\*\*\*\* undiscounted/start/Par rate has not been provided. Thank you - Due Diligence Vendor-12/09/2025 <br> Ready for Review-can you share your compliance ease or identify the fee?<br>xxx. - Buyer-12/08/2025 <br> Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §493.72(1)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. \*\*\*\*\*\*\*\*\*\*\* undiscounted/start/Par rate has not been provided. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/06/2025 <br> Open- - Due Diligence Vendor-12/05/2025 |  | Resolved-A definitive mathematical relationship between discount points paid and the interest rate obtained, has been provided, thank you - Due Diligence Vendor-12/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.42 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6498990 |
| 13565170 |  | 13565170 B A | Closed | FCRE1182 | 2025-12-05 06:40 | 2025-12-11 11:53 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. - Seller-12/09/2025 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-12/11/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6499464 |
| 18676675 |  | 18676675 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18436524 |  | 18436524 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 18212934 |  | 18212934 C A | Closed | finding-47 | 2025-12-08 02:43 | 2025-12-10 08:00 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025 <br> Resolved- - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/10/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Is Below the Guideline Maximum Original CLTV Of 78.39% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 43 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum Months Reserves Of 9.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6522595 |
| 18241368 |  | 18241368 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17420331 |  | 17420331 C A | Closed | finding-47 | 2025-12-08 01:59 | 2025-12-12 12:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-12/11/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 |  | Resolved-PCCD received, data entered, no additional compliance findings - Due Diligence Vendor-12/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 36.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.47 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6522386 |
| 13243654 |  | 13243654 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11712987 |  | 11712987 D A | Closed | FCRE8611 | 2025-12-09 11:11 | 2025-12-15 08:35 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Updated 1008 reducing the Monthly income provided. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see revised 1008 - Buyer-12/14/2025 <br> Open-A large deposit of xxx dated xxx into xxx Bank account xxx was not excluded. Per GL 8.5.4, large deposits that are inconsistent with the borrower's historical activity must be documented as business income through the income worksheet. - Due Diligence Vendor-12/09/2025 |  | Resolved-Updated 1008 reducing the Monthly income provided. - Due Diligence Vendor-12/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6548042 |
| 11712987 |  | 11712987 D A | Closed | FCRE9549 | 2025-12-09 11:26 | 2025-12-15 08:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Mortgage statement provided for Oct 2025 - 12 full months. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/14/2025 <br> Open-Missing the updated and full 12 months of payment history for xxx account xxx. The credit bureau reports 1×30 for October 2024, indicating a 30-day delinquency, with the last update reported on xxx. Per GL, all mortgages for all borrowers must reflect 0×30×12, and a minimum of 12 months of housing history is required.<br> - Due Diligence Vendor-12/09/2025 |  | Resolved-Mortgage statement provided for xxx - 12 full months. - Due Diligence Vendor-12/15/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6549695 |
| 11712987 |  | 11712987 D A | Closed | FPRO1506 | 2025-12-10 10:05 | 2025-12-15 07:47 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Valuation Documents Partially Provided | Resolved-PDI provided with images stating, Subject property partially visible from the road, looks to be well maintained - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-12/14/2025 <br>Open-Provide the Property Condition Inspection report. - Due Diligence Vendor-12/10/2025 |  | Resolved-PDI provided with images stating, Subject property partially visible from the road, looks to be well maintained - Due Diligence Vendor-12/15/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.16% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6565357 |
| 12930526 |  | 12930526 D B C A | Closed | FCRE1258 | 2025-12-06 09:03 | 2025-12-15 12:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Approval Info | Collateral Underwriter Missing | Waived-Exception granted with supporting comp factors: Min AV score required - 90% Subject - 89% - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Rebut-CU not needed. Exception was made during UW and is attached. - Buyer-12/14/2025 <br>Open-Please verify Collateral Underwriter Score Provided is actually Missing. In this Loan file AVM provided in page #6, but confidence score is less than 90%, since third party valuation report is missing. - Due Diligence Vendor-12/06/2025 |  | Waived-Exception granted with supporting comp factors: Min AV score required - 90% Subject - 89% - Due Diligence Vendor-12/15/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.71 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.90 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.90 Years | DTI Max - 50% Subject - 30%<br> Mortgage: Multiple accounts, with history dating back to 2019. No lates reported | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6517262 |
| 11997978 |  | 11997978 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16356064 |  | 16356064 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 12492568 |  | 12492568 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19949081 |  | 19949081 D B A C | Closed | FVAL9739 | 2025-12-12 08:20 | 2025-12-16 08:38 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception granted with supporting comp factors: SFR with 2 Adu not allowed - program allows for 1 ADU on SFR, but the subject has 2 Adu's on the lot in addition to the main house. Exception for the 2nd ADU. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Counter-Missing Approved Exception Form as the Email provided states: xxx Scenario Desk only provides guidance on loan scenarios which may include pricing indications. The Seller is responsible for documenting any exception and its compensating factors - Due Diligence Vendor-12/13/2025 <br> Ready for Review-Document Uploaded. Exception uploaded and approved by xxx. - Seller-12/12/2025 <br> Open-Per VPM 2nd Lien Guidelines: 3.2.2 Ineligible Property Types - Multiple dwellings on single lot (1 legal ADU acceptable on SFR) - Per Building Sketch and Appraisal images, this is a 3 unit detached property. Each unit has a full kitchen and bathroom along with each unit has a different name listed on the outside of the front doors. HOI Policy's also reflect Unit #'s listed on each separate policy. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Ready for Review-Document Uploaded. Exception uploaded and approved by Vista. - Seller-12/12/2025<br>| Waived-Exception granted with supporting comp factors: SFR with 2 Adu not allowed - program allows for 1 ADU on SFR, but the subject has 2 Adu's on the lot in addition to the main house. Exception for the 2nd ADU. - Due Diligence Vendor-12/16/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.43 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.44 Years | very Low LTV and low CLTV <br> 766 fico/established tradelines<br> 0x30<br> S/E over 30 years<br> qualifying with only business income- do not need income from the adu's...or even the main house | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6599192 |
| 19949081 |  | 19949081 D B A C | Closed | FCRE1157 | 2025-12-06 05:45 | 2025-12-13 07:13 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/13/2025 <br>Ready for Review-Document Uploaded. This is a SFR with 2 ADUs the investor reviewed this and approved. - Seller-12/12/2025 <br>Counter-The Hoi Policy's provided are for 3 separate units however the loan documents reflect SFR property - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/06/2025 | Ready for Review-Document Uploaded. This is a SFR with 2 ADUs the investor reviewed this and approved. - Seller-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/13/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.43 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.44 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | 6516752 |
| 11590811 |  | 11590811 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13795569 |  | 13795569 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12095748 |  | 12095748 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12014214 |  | 12014214 C A | Closed | finding-3652 | 2025-12-09 01:53 | 2025-12-10 07:10 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-12/10/2025 <br> Resolved- - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*Section J lender credit decreased in the Final CD. The original file does not contain a valid COC in relation to the decrease. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-COC event details received, data entered, no additional compliance findings - Due Diligence Vendor-12/10/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 17.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.88% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 69.88% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years Borrower At Current Residence For Five (5) Or More Years - 11.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6542105 |
| 19430346 |  | 19430346 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17483228 |  | 17483228 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 15333407 |  | 15333407 D A | Closed | FCRE1201 | 2025-12-08 17:31 | 2025-12-22 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-12/22/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.54 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.54 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 13.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 32.74% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 18.50 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 31.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6538045 |
| 15056338 |  | 15056338 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10116759 |  | 10116759 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18872004 |  | 18872004 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19526355 |  | 19526355 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12138458 |  | 12138458 D A | Closed | FCOM1227 | 2025-12-08 04:33 | 2025-12-26 17:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.67 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6523093 |
| 12138458 |  | 12138458 D A | Closed | FCRE1316 | 2025-12-08 05:32 | 2025-12-24 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower Employer 3rd Party VOE Prior to Close Missing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/24/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.66 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.46 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.42 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.67 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6523435 |
| 17462519 |  | 17462519 C A | Closed | FVAL9739 | 2025-12-11 07:47 | 2025-12-18 09:28 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-PDI Provided - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Property Condition Report - Seller-12/17/2025 <br>Open-. Provide a Property Condition Inspection as required per guidelines (section 3.1.1) for the subject property. At the time of review only AVM's were provided. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Property Condition Report - Seller-12/17/2025<br>| Resolved-PDI Provided - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6580966 |
| 12999822 |  | 12999822 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11790385 |  | 11790385 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17547170 |  | 17547170 C B A | Closed | FPRO5926 | 2025-12-10 11:23 | 2025-12-15 07:40 | Resolved | 1 - Information A | Property | Appraisal | Property Condition | Resolved-1004D with images provided. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/13/2025 <br> Open-Missing a copy of the exception for the Completion Certificate. The subject property includes an uncovered balcony area noted on the "As Is" appraisal inspection report dated xxx. The absence of a railing presents a health and safety hazard due to fall risk. Although B1's LOE indicates intent to repair, the issue remains unresolved. An Approval Exception was previously issued for the cost-to-cure exceeding the xxx maximum; however, it does not address the outstanding health and safety concern posed by the existing condition at the subject property. - Due Diligence Vendor-12/10/2025 |  | Resolved-1004D with images provided. - Due Diligence Vendor-12/15/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.13% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6567333 |
| 17547170 |  | 17547170 C B A | Closed | FVAL9739 | 2025-12-15 07:38 | 2025-12-15 07:38 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception granted with supporting comp factors: Exception needed for the Cost to cure exceeding the max of $2K - Due Diligence Vendor-12/15/2025 <br> Open-Exception granted with supporting comp factors: Exception needed for the Cost to cure exceeding the max of $2K - Due Diligence Vendor-12/15/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed for the Cost to cure exceeding the max of $2K - Due Diligence Vendor-12/15/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.13% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.99 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Multiple accounts with history dating back to 2020. No lates reported |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6620278 |
| 17868495 |  | 17868495 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13062191 |  | 13062191 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13194520 |  | 13194520 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10135261 |  | 10135261 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13469462 |  | 13469462 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11994887 |  | 11994887 D A | Closed | FCRE1347 | 2025-12-11 04:17 | 2025-12-24 12:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Paystub dated xxx provided. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-Condition is for verbal Verification of employment. The paystub that was provided is dated xxx - Loan closed on xxx - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing LES statement and/or WVOE from the xxx - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Paystub dated xxx provided. - Due Diligence Vendor-12/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.16 Are Greater Than The Guideline Minimum Months Reserves Of 72.16 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.59 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 8.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Is Below the Guideline Maximum Original CLTV Of 70% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6579633 |
| 16359956 |  | 16359956 D A | Closed | FCRE1202 | 2025-12-10 03:57 | 2025-12-15 14:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open-Third Party Fraud Report Partially Provided Missing fraud report - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-12/15/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 36.58 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.76 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 78.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6561102 |
| 15235348 |  | 15235348 D A C | Closed | FVAL2477 | 2025-12-11 22:49 | 2025-12-15 08:46 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Appraisal transfer letter provided. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. See attached. We don't require that the letter come from the prior lender. - Buyer-12/14/2025 <br> Open-Missing transfer Letter from xxx to VPM for subject property Appraisal Report / xxx. - Due Diligence Vendor-12/12/2025 |  | Resolved-Appraisal transfer letter provided. - Due Diligence Vendor-12/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.81% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6596306 |
| 15235348 |  | 15235348 D A C | Closed | FCRE6737 | 2025-12-11 22:47 | 2025-12-15 08:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Income) missing or unexecuted | Resolved-Per Guidelines: Borrower must document two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. CPA letter provided confirming business has been active since xxx - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Rebut - please see attached. Exception not needed. - Buyer-12/14/2025 <br> Open-Confirmation is required that xxx holds the sufficient credentials per GL 8.5.4 to support the reduced expense factor of 38%. A CPA/CTEC/EA designation is required unless she is employed by a third-party tax preparation service, in which case a PTIN is acceptable with documentation of that employment. - Due Diligence Vendor-12/12/2025 |  | Resolved-Per Guidelines: Borrower must document two years current continuous self-employment with business license or statement from corporate accountant/CPA confirming the same. CPA letter provided confirming business has been active since xxx - Due Diligence Vendor-12/15/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.81% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6596303 |
| 15235348 |  | 15235348 D A C | Closed | FCOM1232 | 2025-12-10 09:38 | 2025-12-15 08:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-12/14/2025 <br>Open-The Final 1003 is Missing The Final signed and dated 1003 is Missing - Due Diligence Vendor-12/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/15/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.16 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.81% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6564733 |
| 14332086 |  | 14332086 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14358578 |  | 14358578 D A | Closed | FCOM1232 | 2025-12-10 14:28 | 2025-12-18 08:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. see attached. - Buyer-12/16/2025 <br>Open-The Final 1003 is Missing The Fully Executed Final 1003 is Missing, please provide. - Due Diligence Vendor-12/10/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-12/18/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.16 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Calculated DTI Of 22.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65% Is Below the Guideline Maximum Of 75% Original CLTV Of 65% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.91 Are Greater Than The Guideline Minimum Months Reserves Of 50.91 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | 6572490 |
| 19086818 |  | 19086818 C A | Closed | finding-47 | 2025-12-11 07:09 | 2025-12-16 09:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025 <br> Resolved- - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-\*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-12/16/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 6.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6580620 |
| 15267390 |  | 15267390 D A | Closed | FCRE3653 | 2025-12-12 16:44 | 2025-12-24 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Missing Letter of Explanation (LOE) explaining the intended use of loan proceeds, which is required for cash-out refinance transactions per GL 4.1.2. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Cash out letter provided. - Due Diligence Vendor-12/24/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.21 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.21 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10.83 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.9% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6609742 |
| 19149732 |  | 19149732 D A | Closed | FCRE9549 | 2025-12-12 21:03 | 2025-12-19 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Documents provided. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please REVIEW ALL uploaded documents. - Seller-12/18/2025 <br> Counter-The condition is for 12 months of payment history, VOM from xxx. This is not being reflected on the CBR. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Missing mortgage history for xxx for Feb 2025 and June 2025 through November 2025. - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. Please REVIEW ALL uploaded documents. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Documents provided. - Due Diligence Vendor-12/19/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.89% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6611492 |
| 19149732 |  | 19149732 D A | Closed | FCRE1193 | 2025-12-12 20:07 | 2025-12-15 11:46 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/15/2025 <br> Open-Audited DTI of 59.15% exceeds Guideline DTI of 50% DTI variance is due to the increase in total other monthly payments from xxx to xxx, with xxx (xxx) and xxxk (xxx) payments no longer reflected as paid-off debts. - Due Diligence Vendor-12/13/2025 |  | Resolved-Audited DTI of 49.4% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-12/15/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.89% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | 6611353 |
| 12930463 |  | 12930463 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19944325 |  | 19944325 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13808572 |  | 13808572 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14509914 |  | 14509914 C A | Closed | FCOM1252 | 2025-12-12 08:59 | 2025-12-17 08:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. see attached RLE - Buyer-12/16/2025 <br>Open-Missing Locked LE \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-12/12/2025 |  | Resolved-Locked LE received, data entered, no additional compliance findings. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 31.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.78 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.17<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 18.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 79.89% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.52 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6599711 |
| 16215524 |  | 16215524 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18612724 |  | 18612724 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 11059613 |  | 11059613 D B A | Closed | FCRE8611 | 2025-12-15 12:10 | 2025-12-23 11:43 | Waived | 2 - Non-Material C B | Credit | Income | Income/Employment General | Waived-Exception granted with supporting comp factors: Exception needed for income docs expiration date exceeded max by 2 days. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see attached exception - Buyer-12/20/2025 <br> Open-Missing updated September 2025 bank statement for xxx account ending xxx (xxx). Per GL 2.6, income documentation must be dated within 90 days of the Note date; the most recent statement dated xxx exceeds the 90-day requirement. xxx to Note date of xxx = 92 days; - Due Diligence Vendor-12/15/2025 |  | Waived-Exception granted with supporting comp factors: Exception needed for income docs expiration date exceeded max by 2 days. - Due Diligence Vendor-12/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.92 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years | LTV - Max - 75% Subj - 60%<br> History dating back to 2019. No lates reported | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6626590 |
| 11059613 |  | 11059613 D B A | Closed | FCRE9549 | 2025-12-15 12:11 | 2025-12-23 11:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Copies of canceled checks for Oct and Nov Payments provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see attached, which were in the loan file. - Buyer-12/20/2025 <br> Open-Missing Verification of Mortgage (VOM) for xxx, loan number xxx (pages 379, 342) in the amount of xxx. The loan opened xxx and is missing payment history, including verification of the first payments due xxx and xxx.<br> - Due Diligence Vendor-12/15/2025 |  | Resolved-Copies of canceled checks for Oct and Nov Payments provided. - Due Diligence Vendor-12/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.92 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6626614 |
| 11740021 |  | 11740021 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15353350 |  | 15353350 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other |  |  |  |
| 15893012 |  | 15893012 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11959407 |  | 11959407 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19534594 |  | 19534594 D A | Closed | FCRE1158 | 2025-12-16 22:22 | 2025-12-18 13:58 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. see attached. - Buyer-12/17/2025 <br> Open-Document is incomplete or missing required policy information. Missing HOI invoice to confirm the annual premium amount of xxx. - Due Diligence Vendor-12/17/2025 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.85 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29.67 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6654552 |
| 18848352 |  | 18848352 C B A | Closed | FCRE1195 | 2025-12-16 18:39 | 2025-12-23 12:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted with supporting comp factors: Exception for 80% LTV. Max is 75%. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Please see attached approval, which was already in the loan file. The updated 1008 is also attached. - Buyer-12/20/2025 <br> Open-Audited CLTV of 77.68% exceeds Guideline CLTV of 75% Appraisal in file value xxx and final 1008 shows xxx. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with supporting comp factors: Exception for 80% LTV. Max is 75%. - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.77 Years | Fico 815<br> Current/active mortgage rating 0x30 since 2017<br> S/E business owner 8+ years. Over $40k residual income | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6652308 |
| 18848352 |  | 18848352 C B A | Closed | FCRE1196 | 2025-12-16 18:39 | 2025-12-18 14:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Exception granted with supporting comp factors: Exception for 80% LTV. Max is 75%. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Exception approved in file by xxx. see attached<br> - Buyer-12/17/2025 <br> Open-Audited HCLTV of 77.68% exceeds Guideline HCLTV of 75% Appraisal in file value xxx and final 1008 shows xxx. - Due Diligence Vendor-12/16/2025 |  | Waived-Exception granted with supporting comp factors: Exception for 80% LTV. Max is 75%. - Due Diligence Vendor-12/18/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.77 Years | Fico 815 fico<br> Mortgage - Current/active mtg ratings 0x30 since 2017<br> S/E business owner 8+ years. Over $40k residual income | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6652309 |
| 18625433 |  | 18625433 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 17933711 |  | 17933711 B A | Closed | FCRE8201 | 2025-12-16 09:18 | 2025-12-16 09:18 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan Modifications "from original Terms "Ineligible" - Due Diligence Vendor-12/16/2025 |  | Waived-Loan Modifications "from original Terms "Ineligible" - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.24 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 29.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.24 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 19.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | LTV/CLTV 10% or more below program max (max 75%)<br> Same employme<br> 0x30x24 housing payment history<br> DSCR .20 or mon<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6640405 |
| 13454450 |  | 13454450 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 10210340 |  | 10210340 C A | Closed | FCRE1159 | 2025-12-16 03:27 | 2025-12-23 10:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx HOI imaged is postdated for xxx vs funding/close date xxx. Please provide a HOI policy showing effective date on or before closing/funding date. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-12/23/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 23 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 36.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 70.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 50.3% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.13 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.13 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6637522 |
| 15964691 |  | 15964691 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19326858 |  | 19326858 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17809574 |  | 17809574 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11037329 |  | 11037329 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11713730 |  | 11713730 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12253331 |  | 12253331 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19403603 |  | 19403603 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17466467 |  | 17466467 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11424644 |  | 11424644 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18421679 |  | 18421679 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |  |
| 13702178 |  | 13702178 D A | Closed | FCRE1316 | 2025-12-18 00:09 | 2025-12-23 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 - 3rd Party VOE Prior to Close Missing (per GL 8.4.1 - A verbal VOE from each employer within 10-days of the note date for wage and <br> salaried employees).<br> - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.48% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6677327 |
| 13702178 |  | 13702178 D A | Closed | FCRE1317 | 2025-12-18 00:09 | 2025-12-23 09:37 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Please provide documentation supporting Borrower 1's most recent two (2) years of employment, as required per GL 8.1.2. Current file is missing employment documentation for Borrower 1. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.48% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6677328 |
| 13702178 |  | 13702178 D A | Closed | FCRE1292 | 2025-12-18 00:09 | 2025-12-23 09:37 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Open-Income 1 Months Income Verified is Missing Please provide documentation supporting Borrower 1's wage/salaried income per GL 8.4.1, including:<br> • Current paystubs reflecting 30 days of earnings;<br> • W-2s for the most recent two (2) years; and<br> • W-2 transcripts. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-12/23/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.48% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 14.25 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6677329 |
| 13378963 |  | 13378963 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17030380 |  | 17030380 C B A | Closed | FVAL9739 | 2025-12-17 20:01 | 2025-12-22 13:40 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception granted with supporting comp factors: Allow for 89% AVM confidence score - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Except to use the 89% confidence score granted. see attached. - Buyer-12/20/2025 <br> Open-A full appraisal/1004 is required, as the AVM reflects a High Confidence score of 89%, which is below the 90% confidence factor required per GL 3.1.1 – Appraisal Options for loan amounts under xxx. An AVM with less than 90% confidence requires a full appraisal (in lieu of the provided AVM with Property Condition Inspection). - Due Diligence Vendor-12/18/2025 |  | Waived-Exception granted with supporting comp factors: Allow for 89% AVM confidence score - Due Diligence Vendor-12/22/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.21 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.38 Years | LT <70%<br> Fico score<br> Low credit usage<br> Active/open mortgage rating since 2017 with no lates | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | 6673639 |
| 16618494 |  | 16618494 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16574056 |  | 16574056 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 12487818 |  | 12487818 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13602989 |  | 13602989 C A | Closed | FCOM8891 | 2025-12-22 18:10 | 2025-12-24 08:11 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Lender explanation the original loan xxx was canceled due to the removal of a borrower, and intent to proceed executed prior to appraisal fee provided, is sufficient, thank you - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-The intent to proceed is executed by the borrower on xxx, however the appraisal was charged to the borrower on xxx. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Lender explanation the original loan xxx was canceled due to the removal of a borrower, and intent to proceed executed prior to appraisal fee provided, is sufficient, thank you - Due Diligence Vendor-12/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6747794 |
| 13602989 |  | 13602989 C A | Closed | FCOM7353 | 2025-12-22 18:07 | 2025-12-24 08:10 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender explanation the original loan xxx was canceled due to the removal of a borrower is sufficient, thank you - Due Diligence Vendor-12/24/2025 <br> Ready for Review-We started a new file due to the removal of borrower. - Seller-12/23/2025 <br> Open-Documentation in file indicates an application date of xxx. However, appraisal, appraisal delivery, xxx Lock Confirmation, and other documents are dated prior to the xxx application date. Lender to explain the reason there are documents dated prior to the application date. - Due Diligence Vendor-12/22/2025 | Ready for Review-We started a new file due to the removal of borrower. - Seller-12/23/2025<br>| Resolved-Lender explanation the original loan xxx was canceled due to the removal of a borrower is sufficient, thank you - Due Diligence Vendor-12/24/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.96 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.37% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6747757 |
| 18156141 |  | 18156141 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11991294 |  | 11991294 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16122362 |  | 16122362 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 18054030 |  | 18054030 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19805131 |  | 19805131 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 13734886 |  | 13734886 D A | Closed | FCRE1316 | 2025-12-24 01:31 | 2026-01-06 08:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the 3rd Party VOE Prior to Close for xxx - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/06/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.70 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.41% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 30.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6780259 |
| 13734886 |  | 13734886 D A | Closed | FCRE1292 | 2025-12-24 01:31 | 2026-01-06 08:02 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Income 1 Months Income Verified is Missing Missing documentation used to qualify the borrower's income with the xxx. W2, paystubs, WVOE etc showing at minimum the qualifying income of xxx monthly. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.70 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.41% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 30.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6780260 |
| 14098600 |  | 14098600 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 16518655 |  | 16518655 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 18870010 |  | 18870010 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17712796 |  | 17712796 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13503798 |  | 13503798 D A | Closed | FCOM1544 | 2025-12-31 01:11 | 2026-01-06 12:11 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. see attached cd - Buyer-01/06/2026 <br> Open-TRID: Missing Final Closing Disclosure \*\*\*Lender to provide a copy of the Final Closing Disclosure provided to the borrower at closing for review and to complete compliance testing.<br> - Due Diligence Vendor-12/31/2025 |  | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.50 Years Borrower At Current Residence For Five (5) Or More Years - 5.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.95 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.95 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6865651 |
| 13783216 |  | 13783216 C A | Closed | FCOM1252 | 2025-12-31 00:49 | 2026-01-06 09:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received Revised LEs. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/06/2026 <br> Open-COC 's dated xxx does not have re disclosures within 3 business days of the document. - Due Diligence Vendor-12/31/2025 |  | Resolved-\*\*Received Revised LEs. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 14.67 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 65.85% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 9.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6865439 |
| 13783216 |  | 13783216 C A | Closed | finding-3939 | 2025-12-31 00:49 | 2026-01-06 09:13 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received Revised LEs. - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. disagree. see attached RLE - Buyer-01/06/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx, xxx and xxx. - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-01/01/2026 <br> Open- - Due Diligence Vendor-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 |  | Resolved-\*\*Received Revised LEs. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 14.67 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 65.85% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 9.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6865446 |
| 14876837 |  | 14876837 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 15535804 |  | 15535804 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 13605267 |  | 13605267 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19353042 |  | 19353042 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15822512 |  | 15822512 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 15927318 |  | 15927318 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 12421341 |  | 12421341 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17626163 |  | 17626163 D A | Closed | FCRE1325 | 2026-01-05 02:00 | 2026-01-06 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-01/06/2026 <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-01/05/2026 |  | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/06/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6909202 |
| 17626163 |  | 17626163 D A | Closed | FCRE1292 | 2026-01-05 02:00 | 2026-01-06 11:46 | Resolved | 1 - Information C A | Credit | Income | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Submitted under other finding - Buyer-01/06/2026 <br> Open-Income 1 Months Income Verified is Missing Missing Profit and Loss statement for xxx - Due Diligence Vendor-01/05/2026 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/06/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6909203 |
| 14767086 |  | 14767086 B A | Closed | FCRE1200 | 2026-01-06 03:35 | 2026-01-06 04:11 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Min - $100K Subject - $xxx - Due Diligence Vendor-01/06/2026 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 100000 Min - $100K Subject - $xxx - Due Diligence Vendor-01/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 30.6 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Min - 1.0 Subject - 1.7%<br> Multiple accounts with history dating back to 2015. NO lates reported. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6929061 |
| 13707458 |  | 13707458 D A | Closed | FCOM1232 | 2026-01-06 07:20 | 2026-01-14 07:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. see attached. - Buyer-01/13/2026 <br>Open-The Final 1003 is Missing The fully executed Final 1003 is Missing for both B1 & CB1 - Due Diligence Vendor-01/06/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 14.33 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.18% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6930598 |
| 18370072 |  | 18370072 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 16764319 |  | 16764319 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 15469283 |  | 15469283 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 11802651 |  | 11802651 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 17072825 |  | 17072825 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 19270496 |  | 19270496 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 14371500 |  | 14371500 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 13472994 |  | 13472994 | xxx A C |
| 18200084 |  | 18200084 | xxx A |
| 17511304 |  | 17511304 | xxx C A NA |
| 13594727 |  | 13594727 | xxx A C NA B |
| 17286639 |  | 17286639 | xxx A |
| 14810254 |  | 14810254 | xxx D A NA |
| 16624514 |  | 16624514 | xxx A D |
| 18019385 |  | 18019385 | xxx D A |
| 17507936 |  | 17507936 | xxx A NA |
| 16185878 |  | 16185878 | xxx C A |
| 13717157 |  | 13717157 | xxx A NA |
| 11015266 |  | 11015266 | xxx A |
| 16475771 |  | 16475771 | xxx A |
| 17742699 |  | 17742699 | xxx A NA C B |
| 14603631 |  | 14603631 | xxx A NA |
| 18457852 |  | 18457852 | xxx A NA |
| 17705233 |  | 17705233 | xxx A |
| 11824585 |  | 11824585 | xxx A C NA B |
| 11885335 |  | 11885335 | xxx A D NA |
| 13298236 |  | 13298236 | xxx A C NA |
| 13653861 |  | 13653861 | xxx A NA |
| 14579865 |  | 14579865 | xxx A NA |
| 10985250 |  | 10985250 | xxx D C NA |
| 14075622 |  | 14075622 | xxx C A |
| 19127558 |  | 19127558 | xxx A NA |
| 14780942 |  | 14780942 | xxx D C NA |
| 13128705 |  | 13128705 | xxx A D NA |
| 12230572 |  | 12230572 | xxx D A NA |
| 10920872 |  | 10920872 | xxx C A |
| 16570566 |  | 16570566 | xxx A |
| 17716735 |  | 17716735 | xxx A |
| 14027176 |  | 14027176 | xxx A |
| 18437390 |  | 18437390 | xxx A |
| 12107145 |  | 12107145 | xxx D A |
| 13559406 |  | 13559406 | xxx A |
| 11584602 |  | 11584602 | xxx B A NA |
| 13460539 |  | 13460539 | xxx A NA |
| 18688487 |  | 18688487 | xxx A NA |
| 15089033 |  | 15089033 | xxx D A NA |
| 11101438 |  | 11101438 | xxx D C A |
| 14532995 |  | 14532995 | xxx A |
| 17174189 |  | 17174189 | xxx A D |
| 11920823 |  | 11920823 | xxx A |
| 19548692 |  | 19548692 | xxx D C NA |
| 17542561 |  | 17542561 | xxx A |
| 11139114 |  | 11139114 | xxx A C B |
| 19293600 |  | 19293600 | xxx A D |
| 15910143 |  | 15910143 | xxx A |
| 15008082 |  | 15008082 | xxx A NA |
| 16360233 |  | 16360233 | xxx A NA |
| 16731878 |  | 16731878 | xxx A |
| 15117043 |  | 15117043 | xxx A |
| 10503727 |  | 10503727 | xxx D A |
| 11394260 |  | 11394260 | xxx A NA |
| 15172984 |  | 15172984 | xxx D A |
| 17904542 |  | 17904542 | xxx D NA |
| 13941428 |  | 13941428 | xxx A |
| 15199188 |  | 15199188 | xxx A NA |
| 14161088 |  | 14161088 | xxx A C NA |
| 18439505 |  | 18439505 | xxx A NA |
| 19151372 |  | 19151372 | xxx A NA |
| 11341272 |  | 11341272 | xxx A NA |
| 16867938 |  | 16867938 | xxx A NA |
| 19434123 |  | 19434123 | xxx A NA |
| 11590098 |  | 11590098 | xxx D A NA |
| 16411087 |  | 16411087 | xxx A B NA C |
| 18722915 |  | 18722915 | xxx A NA |
| 12225750 |  | 12225750 | xxx A B NA |
| 19126126 |  | 19126126 | xxx A NA |
| 17104910 |  | 17104910 | xxx A |
| 14395918 |  | 14395918 | xxx A |
| 17423810 |  | 17423810 | xxx A |
| 19741117 |  | 19741117 | xxx A NA |
| 10511234 |  | 10511234 | xxx D A |
| 13106110 |  | 13106110 | xxx A |
| 12431616 |  | 12431616 | xxx A |
| 11739064 |  | 11739064 | xxx A |
| 18041685 |  | 18041685 | xxx A |
| 16405786 |  | 16405786 | xxx A NA |
| 14013979 |  | 14013979 | xxx A |
| 19398023 |  | 19398023 | xxx A |
| 11625605 |  | 11625605 | xxx D A |
| 17339088 |  | 17339088 | xxx A |
| 10599214 |  | 10599214 | xxx A |
| 10444342 |  | 10444342 | xxx A |
| 12156996 |  | 12156996 | xxx C A NA |
| 10987210 |  | 10987210 | xxx C A |
| 12958669 |  | 12958669 | xxx A NA |
| 19989544 |  | 19989544 | xxx B A |
| 18320936 |  | 18320936 | xxx A |
| 13783417 |  | 13783417 | xxx A C |
| 15686310 |  | 15686310 | xxx D A |
| 12741526 |  | 12741526 | xxx A |
| 13971314 |  | 13971314 | xxx A |
| 13065850 |  | 13065850 | xxx A |
| 19687975 |  | 19687975 | xxx A NA |
| 12376157 |  | 12376157 | xxx A |
| 15115050 |  | 15115050 | xxx A |
| 11615817 |  | 11615817 | xxx A |
| 19241360 |  | 19241360 | xxx A |
| 10880019 |  | 10880019 | xxx D A NA |
| 18958850 |  | 18958850 | xxx D A NA |
| 19996505 |  | 19996505 | xxx A NA |
| 19750890 |  | 19750890 | xxx A |
| 19734575 |  | 19734575 | xxx A |
| 19961414 |  | 19961414 | xxx A NA |
| 13347963 |  | 13347963 | xxx C A NA |
| 14672615 |  | 14672615 | xxx A NA |
| 15055992 |  | 15055992 | xxx A |
| 11259844 |  | 11259844 | xxx A |
| 17261267 |  | 17261267 | xxx A |
| 19941402 |  | 19941402 | xxx A |
| 14897941 |  | 14897941 | xxx A |
| 14721491 |  | 14721491 | xxx A |
| 14002923 |  | 14002923 | xxx A |
| 12610071 |  | 12610071 | xxx C A NA B |
| 13070084 |  | 13070084 | xxx A D NA |
| 14140380 |  | 14140380 | xxx A NA |
| 17610521 |  | 17610521 | xxx A NA |
| 10203815 |  | 10203815 | xxx A NA |
| 13887773 |  | 13887773 | xxx D A NA |
| 17036030 |  | 17036030 | xxx A NA |
| 17574354 |  | 17574354 | xxx A C NA |
| 17082736 |  | 17082736 | xxx A C NA |
| 13746075 |  | 13746075 | xxx A |
| 16906720 |  | 16906720 | xxx A NA |
| 13614159 |  | 13614159 | xxx A NA |
| 16122082 |  | 16122082 | xxx D A NA |
| 16017647 |  | 16017647 | xxx A NA |
| 18564334 |  | 18564334 | xxx A NA |
| 11521131 |  | 11521131 | xxx A |
| 11089483 |  | 11089483 | xxx A NA |
| 18328147 |  | 18328147 | xxx A NA |
| 12210192 |  | 12210192 | xxx A NA |
| 18951676 |  | 18951676 | xxx D A NA |
| 13353580 |  | 13353580 | xxx A NA |
| 10502205 |  | 10502205 | xxx A NA |
| 10220030 |  | 10220030 | xxx D A NA |
| 12050840 |  | 12050840 | xxx A D |
| 15464575 |  | 15464575 | xxx A NA |
| 11064826 |  | 11064826 | xxx A NA |
| 18375487 |  | 18375487 | xxx A |
| 18214352 |  | 18214352 | xxx A NA |
| 10419180 |  | 10419180 | xxx A |
| 12793095 |  | 12793095 | xxx A |
| 12753013 |  | 12753013 | xxx A |
| 16805695 |  | 16805695 | xxx A |
| 13796217 |  | 13796217 | xxx A |
| 19987861 |  | 19987861 | xxx D A |
| 10178749 |  | 10178749 | xxx A |
| 12986186 |  | 12986186 | xxx A |
| 16677477 |  | 16677477 | xxx A |
| 10846055 |  | 10846055 | xxx A |
| 19830397 |  | 19830397 | xxx A |
| 11058290 |  | 11058290 | xxx A NA B |
| 18909028 |  | 18909028 | xxx B A NA |
| 18594782 |  | 18594782 | xxx A NA |
| 17269620 |  | 17269620 | xxx D A NA |
| 10076975 |  | 10076975 | xxx A NA |
| 10863066 |  | 10863066 | xxx D A NA |
| 18232158 |  | 18232158 | xxx B A NA |
| 13998801 |  | 13998801 | xxx A C NA |
| 18884594 |  | 18884594 | xxx D A NA |
| 10268598 |  | 10268598 | xxx B A NA |
| 16909556 |  | 16909556 | xxx A |
| 18033255 |  | 18033255 | xxx A NA |
| 19462969 |  | 19462969 | xxx A |
| 13682110 |  | 13682110 | xxx D A |
| 12094205 |  | 12094205 | xxx A NA |
| 15238706 |  | 15238706 | xxx A |
| 19932912 |  | 19932912 | xxx A |
| 15317954 |  | 15317954 | xxx A NA |
| 18432627 |  | 18432627 | xxx A |
| 14506748 |  | 14506748 | xxx A NA |
| 15772480 |  | 15772480 | xxx D A |
| 14633203 |  | 14633203 | xxx D A NA |
| 14058578 |  | 14058578 | xxx D A |
| 14787343 |  | 14787343 | xxx A NA |
| 19416839 |  | 19416839 | xxx A B NA |
| 11276911 |  | 11276911 | xxx A NA |
| 10767409 |  | 10767409 | xxx A NA |
| 13048286 |  | 13048286 | xxx A C NA |
| 17551402 |  | 17551402 | xxx A NA |
| 10266795 |  | 10266795 | xxx D A |
| 10686146 |  | 10686146 | xxx A NA |
| 10939916 |  | 10939916 | xxx A NA C |
| 17377228 |  | 17377228 | xxx A C NA |
| 18252340 |  | 18252340 | xxx A NA |
| 19607598 |  | 19607598 | xxx A NA |
| 11421907 |  | 11421907 | xxx D A |
| 13928595 |  | 13928595 | xxx C A NA |
| 18027744 |  | 18027744 | xxx A C |
| 10130685 |  | 10130685 | xxx D A |
| 11747779 |  | 11747779 | xxx A |
| 10340012 |  | 10340012 | xxx C A NA B |
| 13854637 |  | 13854637 | xxx A NA |
| 16884440 |  | 16884440 | xxx A |
| 19884830 |  | 19884830 | xxx A NA |
| 11255623 |  | 11255623 | xxx A |
| 13193116 |  | 13193116 | xxx A |
| 13601552 |  | 13601552 | xxx D C A |
| 14105164 |  | 14105164 | xxx D A NA C B |
| 12772709 |  | 12772709 | xxx A |
| 12546509 |  | 12546509 | xxx A NA |
| 15550686 |  | 15550686 | xxx A C |
| 10555447 |  | 10555447 | xxx A |
| 19610896 |  | 19610896 | xxx D C NA B |
| 17445707 |  | 17445707 | xxx A NA |
| 16021164 |  | 16021164 | xxx A |
| 16186634 |  | 16186634 | xxx A |
| 18020653 |  | 18020653 | xxx A |
| 15505918 |  | 15505918 | xxx C A |
| 18502315 |  | 18502315 | xxx A |
| 10247408 |  | 10247408 | xxx A NA |
| 19169406 |  | 19169406 | xxx A |
| 12293337 |  | 12293337 | xxx A NA |
| 11941624 |  | 11941624 | xxx A B NA |
| 13199675 |  | 13199675 | xxx A NA |
| 12337930 |  | 12337930 | xxx D A |
| 16193343 |  | 16193343 | xxx A NA |
| 17614784 |  | 17614784 | xxx D A NA |
| 11762526 |  | 11762526 | xxx A NA |
| 16727095 |  | 16727095 | xxx A NA |
| 18617822 |  | 18617822 | xxx A NA |
| 11811691 |  | 11811691 | xxx A C NA |
| 18259477 |  | 18259477 | xxx A NA |
| 12415478 |  | 12415478 | xxx D NA |
| 17930896 |  | 17930896 | xxx A NA |
| 13219455 |  | 13219455 | xxx A NA |
| 14710808 |  | 14710808 | xxx A NA |
| 14954327 |  | 14954327 | xxx A NA |
| 19213365 |  | 19213365 | xxx A |
| 16887576 |  | 16887576 | xxx A NA |
| 12545857 |  | 12545857 | xxx A C NA |
| 19351412 |  | 19351412 | xxx D C A |
| 11154631 |  | 11154631 | xxx A NA |
| 13329377 |  | 13329377 | xxx A NA |
| 19776377 |  | 19776377 | xxx B A NA D |
| 19345565 |  | 19345565 | xxx C A NA |
| 14646795 |  | 14646795 | xxx A |
| 10241345 |  | 10241345 | xxx A |
| 19007554 |  | 19007554 | xxx A NA |
| 13710862 |  | 13710862 | xxx A NA |
| 16817913 |  | 16817913 | xxx A |
| 16086720 |  | 16086720 | xxx C A |
| 19914194 |  | 19914194 | xxx D A |
| 17926040 |  | 17926040 | xxx A C NA |
| 17497999 |  | 17497999 | xxx A |
| 12176032 |  | 12176032 | xxx A C |
| 15988752 |  | 15988752 | xxx A |
| 10832539 |  | 10832539 | xxx A |
| 16894050 |  | 16894050 | xxx D A C |
| 16609123 |  | 16609123 | xxx A |
| 13619588 |  | 13619588 | xxx D A |
| 16710327 |  | 16710327 | xxx C A |
| 15586126 |  | 15586126 | xxx A |
| 12940228 |  | 12940228 | xxx A |
| 11078492 |  | 11078492 | xxx D A NA |
| 19058153 |  | 19058153 | xxx C A |
| 17100550 |  | 17100550 | xxx A NA |
| 19858743 |  | 19858743 | xxx A NA |
| 16029171 |  | 16029171 | xxx A NA |
| 10545139 |  | 10545139 | xxx A |
| 10097955 |  | 10097955 | xxx A NA |
| 17433563 |  | 17433563 | xxx A NA |
| 11350495 |  | 11350495 | xxx A NA |
| 17983270 |  | 17983270 | xxx A NA |
| 19633058 |  | 19633058 | xxx A |
| 16323087 |  | 16323087 | xxx A NA |
| 15922554 |  | 15922554 | xxx A NA |
| 11543530 |  | 11543530 | xxx A |
| 18450380 |  | 18450380 | xxx A |
| 17265927 |  | 17265927 | xxx A |
| 11431500 |  | 11431500 | xxx D A |
| 15684663 |  | 15684663 | xxx A |
| 19074782 |  | 19074782 | xxx A |
| 13431106 |  | 13431106 | xxx D A |
| 12489954 |  | 12489954 | xxx A D |
| 16439537 |  | 16439537 | xxx D A |
| 13805135 |  | 13805135 | xxx A NA |
| 19584039 |  | 19584039 | xxx A D NA |
| 17783485 |  | 17783485 | xxx A NA |
| 17097491 |  | 17097491 | xxx A NA |
| 13585846 |  | 13585846 | xxx A NA |
| 19346563 |  | 19346563 | xxx A NA |
| 18994734 |  | 18994734 | xxx A NA |
| 18447471 |  | 18447471 | xxx D C NA |
| 15917016 |  | 15917016 | xxx A NA |
| 10942811 |  | 10942811 | xxx C A |
| 11267284 |  | 11267284 | xxx D A NA |
| 17052337 |  | 17052337 | xxx A NA |
| 14688818 |  | 14688818 | xxx A NA |
| 11183697 |  | 11183697 | xxx A NA |
| 18129236 |  | 18129236 | xxx A NA |
| 16556935 |  | 16556935 | xxx A C NA |
| 14604227 |  | 14604227 | xxx A NA |
| 11935128 |  | 11935128 | xxx A |
| 10163044 |  | 10163044 | xxx A |
| 17904981 |  | 17904981 | xxx D A |
| 15875165 |  | 15875165 | xxx D A NA |
| 15974145 |  | 15974145 | xxx D A |
| 12758819 |  | 12758819 | xxx A |
| 12142117 |  | 12142117 | xxx A NA |
| 12917791 |  | 12917791 | xxx A NA |
| 11920336 |  | 11920336 | xxx A NA |
| 18858667 |  | 18858667 | xxx A NA |
| 12397521 |  | 12397521 | xxx A |
| 15693174 |  | 15693174 | xxx A NA |
| 17054685 |  | 17054685 | xxx A NA |
| 10858031 |  | 10858031 | xxx A C |
| 11717087 |  | 11717087 | xxx A NA |
| 19414691 |  | 19414691 | xxx A NA |
| 14389437 |  | 14389437 | xxx D A NA |
| 15297866 |  | 15297866 | xxx A |
| 16313797 |  | 16313797 | xxx A NA |
| 14777120 |  | 14777120 | xxx A |
| 11001565 |  | 11001565 | xxx A |
| 13979055 |  | 13979055 | xxx A |
| 19401570 |  | 19401570 | xxx A |
| 13967615 |  | 13967615 | xxx D A |
| 17265481 |  | 17265481 | xxx A C |
| 12154767 |  | 12154767 | xxx D A |
| 11019500 |  | 11019500 | xxx C A |
| 11558394 |  | 11558394 | xxx A NA |
| 13697763 |  | 13697763 | xxx A |
| 11801002 |  | 11801002 | xxx A C NA B |
| 12016175 |  | 12016175 | xxx A C NA |
| 12060407 |  | 12060407 | xxx D A NA |
| 17320811 |  | 17320811 | xxx A NA |
| 16918510 |  | 16918510 | xxx C A NA |
| 11207314 |  | 11207314 | xxx D A NA |
| 16278806 |  | 16278806 | xxx D A NA |
| 12417013 |  | 12417013 | xxx A NA |
| 11829971 |  | 11829971 | xxx A |
| 14986525 |  | 14986525 | xxx A |
| 15488171 |  | 15488171 | xxx A |
| 11485335 |  | 11485335 | xxx D A |
| 13988860 |  | 13988860 | xxx A |
| 18612768 |  | 18612768 | xxx A NA |
| 16133474 |  | 16133474 | xxx A NA |
| 15318509 |  | 15318509 | xxx A |
| 15096960 |  | 15096960 | xxx A |
| 16615824 |  | 16615824 | xxx A |
| 17275532 |  | 17275532 | xxx A |
| 15155267 |  | 15155267 | xxx A |
| 19941928 |  | 19941928 | xxx D A NA |
| 11563614 |  | 11563614 | xxx A NA |
| 17459377 |  | 17459377 | xxx A NA |
| 13560344 |  | 13560344 | xxx A NA |
| 10244590 |  | 10244590 | xxx A NA |
| 17318117 |  | 17318117 | xxx A NA |
| 15502264 |  | 15502264 | xxx A |
| 12279935 |  | 12279935 | xxx A |
| 11497321 |  | 11497321 | xxx A NA |
| 16221722 |  | 16221722 | xxx A NA |
| 17351738 |  | 17351738 | xxx D A NA |
| 17879195 |  | 17879195 | xxx A NA |
| 11471473 |  | 11471473 | xxx A NA |
| 18895406 |  | 18895406 | xxx A |
| 10903111 |  | 10903111 | xxx D A NA |
| 16768240 |  | 16768240 | xxx C A |
| 19598497 |  | 19598497 | xxx C A |
| 18177868 |  | 18177868 | xxx D A |
| 15134677 |  | 15134677 | xxx D A |
| 12294125 |  | 12294125 | xxx D A NA |
| 17232342 |  | 17232342 | xxx D A |
| 12638301 |  | 12638301 | xxx A C |
| 12564874 |  | 12564874 | xxx D A NA |
| 14615158 |  | 14615158 | xxx A C |
| 18039218 |  | 18039218 | xxx A NA |
| 13283366 |  | 13283366 | xxx A NA |
| 15255642 |  | 15255642 | xxx A NA |
| 13970165 |  | 13970165 | xxx A NA |
| 13725468 |  | 13725468 | xxx C A NA B |
| 16389919 |  | 16389919 | xxx A NA |
| 10741766 |  | 10741766 | xxx D A NA |
| 14532193 |  | 14532193 | xxx A NA |
| 11601829 |  | 11601829 | xxx A NA |
| 12476036 |  | 12476036 | xxx A |
| 14469567 |  | 14469567 | xxx C A |
| 12822612 |  | 12822612 | xxx D A |
| 14201976 |  | 14201976 | xxx A |
| 17389943 |  | 17389943 | xxx A |
| 16647572 |  | 16647572 | xxx A |
| 18789673 |  | 18789673 | xxx A NA |
| 18436638 |  | 18436638 | xxx D A NA B |
| 12868130 |  | 12868130 | xxx A NA |
| 10209194 |  | 10209194 | xxx A NA |
| 13580545 |  | 13580545 | xxx D A NA C B |
| 11618070 |  | 11618070 | xxx A |
| 18478608 |  | 18478608 | xxx A NA |
| 17180281 |  | 17180281 | xxx A NA |
| 14338111 |  | 14338111 | xxx A |
| 18546680 |  | 18546680 | xxx B A |
| 13946222 |  | 13946222 | xxx A C |
| 10620312 |  | 10620312 | xxx A C |
| 10497178 |  | 10497178 | xxx A |
| 13985343 |  | 13985343 | xxx A |
| 10073782 |  | 10073782 | xxx A D NA |
| 14809367 |  | 14809367 | xxx D A NA |
| 16890779 |  | 16890779 | xxx A NA |
| 16657397 |  | 16657397 | xxx A NA |
| 16136891 |  | 16136891 | xxx C A NA |
| 17204191 |  | 17204191 | xxx A NA |
| 13116968 |  | 13116968 | xxx A |
| 15509140 |  | 15509140 | xxx A C |
| 12308938 |  | 12308938 | xxx C A |
| 17346282 |  | 17346282 | xxx A |
| 16162325 |  | 16162325 | xxx A |
| 16375911 |  | 16375911 | xxx A NA |
| 11076272 |  | 11076272 | xxx A NA |
| 17082425 |  | 17082425 | xxx A NA |
| 13076653 |  | 13076653 | xxx A |
| 12377049 |  | 12377049 | xxx A |
| 11227821 |  | 11227821 | xxx A |
| 19425755 |  | 19425755 | xxx D A |
| 19455609 |  | 19455609 | xxx A |
| 10199416 |  | 10199416 | xxx A |
| 19539968 |  | 19539968 | xxx A |
| 12112085 |  | 12112085 | xxx A |
| 19941341 |  | 19941341 | xxx B A |
| 11337430 |  | 11337430 | xxx A |
| 12664785 |  | 12664785 | xxx D A NA |
| 16677901 |  | 16677901 | xxx A NA |
| 17644253 |  | 17644253 | xxx C A |
| 12812347 |  | 12812347 | xxx D A |
| 12059718 |  | 12059718 | xxx A |
| 10599192 |  | 10599192 | xxx D A |
| 13979854 |  | 13979854 | xxx A NA D B |
| 14271789 |  | 14271789 | xxx A NA |
| 17670865 |  | 17670865 | xxx A |
| 10206499 |  | 10206499 | xxx B A NA |
| 14124010 |  | 14124010 | xxx A |
| 15369322 |  | 15369322 | xxx A NA |
| 19713855 |  | 19713855 | xxx D C NA B |
| 10089895 |  | 10089895 | xxx A |
| 10126635 |  | 10126635 | xxx A |
| 18839855 |  | 18839855 | xxx D A |
| 14271555 |  | 14271555 | xxx A C NA |
| 19609521 |  | 19609521 | xxx A C D |
| 16464551 |  | 16464551 | xxx D A |
| 12746634 |  | 12746634 | xxx A |
| 17958162 |  | 17958162 | xxx D A NA |
| 12287475 |  | 12287475 | xxx D A NA |
| 17755321 |  | 17755321 | xxx D A NA |
| 15616369 |  | 15616369 | xxx A NA |
| 16725045 |  | 16725045 | xxx B A NA D |
| 15528773 |  | 15528773 | xxx C A NA |
| 14407685 |  | 14407685 | xxx A C |
| 17004562 |  | 17004562 | xxx A NA |
| 14260524 |  | 14260524 | xxx A NA |
| 18742035 |  | 18742035 | xxx A NA |
| 12591551 |  | 12591551 | xxx A NA |
| 14214854 |  | 14214854 | xxx A NA |
| 17608417 |  | 17608417 | xxx A NA |
| 15269852 |  | 15269852 | xxx A NA |
| 18663120 |  | 18663120 | xxx A D NA |
| 14865087 |  | 14865087 | xxx A D |
| 11081332 |  | 11081332 | xxx A |
| 11617194 |  | 11617194 | xxx A |
| 12676885 |  | 12676885 | xxx D A |
| 17446523 |  | 17446523 | xxx A |
| 13482734 |  | 13482734 | xxx A |
| 17016016 |  | 17016016 | xxx A |
| 15864163 |  | 15864163 | xxx A |
| 18370838 |  | 18370838 | xxx A |
| 10156503 |  | 10156503 | xxx A |
| 13655746 |  | 13655746 | xxx A |
| 15438916 |  | 15438916 | xxx A NA |
| 11948257 |  | 11948257 | xxx D A NA |
| 17667481 |  | 17667481 | xxx A NA |
| 16383560 |  | 16383560 | xxx A NA |
| 19264336 |  | 19264336 | xxx A NA |
| 11099550 |  | 11099550 | xxx A NA |
| 14703369 |  | 14703369 | xxx D A B |
| 14501212 |  | 14501212 | xxx A NA |
| 12003074 |  | 12003074 | xxx A NA |
| 17312831 |  | 17312831 | xxx A NA |
| 13041154 |  | 13041154 | xxx D A |
| 13909376 |  | 13909376 | xxx D A |
| 19893875 |  | 19893875 | xxx A |
| 12114455 |  | 12114455 | xxx A |
| 18372594 |  | 18372594 | xxx D A |
| 10026468 |  | 10026468 | xxx A NA |
| 11289117 |  | 11289117 | xxx A NA |
| 14763973 |  | 14763973 | xxx A |
| 11701177 |  | 11701177 | xxx A C B |
| 17117611 |  | 17117611 | xxx A |
| 15381660 |  | 15381660 | xxx A NA |
| 12799668 |  | 12799668 | xxx A NA C |
| 16429184 |  | 16429184 | xxx D A NA |
| 16141442 |  | 16141442 | xxx A |
| 12629383 |  | 12629383 | xxx A |
| 18763445 |  | 18763445 | xxx C A |
| 14242059 |  | 14242059 | xxx C A |
| 19892312 |  | 19892312 | xxx C A |
| 16413237 |  | 16413237 | xxx A NA |
| 16658767 |  | 16658767 | xxx D A |
| 11789867 |  | 11789867 | xxx D A |
| 16265337 |  | 16265337 | xxx A D |
| 16985575 |  | 16985575 | xxx A |
| 10206558 |  | 10206558 | xxx A |
| 10530969 |  | 10530969 | xxx A NA |
| 10356464 |  | 10356464 | xxx A NA |
| 17293609 |  | 17293609 | xxx A NA |
| 14505846 |  | 14505846 | xxx A D NA |
| 11414817 |  | 11414817 | xxx D A NA |
| 17646150 |  | 17646150 | xxx D A NA |
| 17017764 |  | 17017764 | xxx A NA |
| 14271535 |  | 14271535 | xxx A NA |
| 15769232 |  | 15769232 | xxx A NA |
| 10515883 |  | 10515883 | xxx D C NA |
| 19391979 |  | 19391979 | xxx A D NA |
| 16780268 |  | 16780268 | xxx A C |
| 16561157 |  | 16561157 | xxx A NA |
| 19198113 |  | 19198113 | xxx B A NA |
| 18309907 |  | 18309907 | xxx A NA |
| 10037780 |  | 10037780 | xxx A C NA |
| 13565170 |  | 13565170 | xxx B A NA |
| 18676675 |  | 18676675 | xxx A |
| 18436524 |  | 18436524 | xxx A NA |
| 18212934 |  | 18212934 | xxx A C NA |
| 18241368 |  | 18241368 | xxx A NA |
| 17420331 |  | 17420331 | xxx A C NA |
| 13243654 |  | 13243654 | xxx A NA |
| 11712987 |  | 11712987 | xxx D A NA |
| 12930526 |  | 12930526 | xxx D C NA B |
| 11997978 |  | 11997978 | xxx A C NA |
| 16356064 |  | 16356064 | xxx A |
| 12492568 |  | 12492568 | xxx A |
| 19949081 |  | 19949081 | xxx D A C B |
| 11590811 |  | 11590811 | xxx A |
| 13795569 |  | 13795569 | xxx A NA |
| 12095748 |  | 12095748 | xxx A NA |
| 12014214 |  | 12014214 | xxx A C NA |
| 19430346 |  | 19430346 | xxx A |
| 17483228 |  | 17483228 | xxx A |
| 15333407 |  | 15333407 | xxx D A |
| 15056338 |  | 15056338 | xxx A |
| 10116759 |  | 10116759 | xxx A |
| 18872004 |  | 18872004 | xxx A |
| 19526355 |  | 19526355 | xxx A |
| 12138458 |  | 12138458 | xxx D A |
| 17462519 |  | 17462519 | xxx A NA C |
| 12999822 |  | 12999822 | xxx A NA |
| 11790385 |  | 11790385 | xxx A NA |
| 17547170 |  | 17547170 | xxx A NA C B |
| 17868495 |  | 17868495 | xxx A NA |
| 13062191 |  | 13062191 | xxx A NA |
| 13194520 |  | 13194520 | xxx A |
| 10135261 |  | 10135261 | xxx A |
| 13469462 |  | 13469462 | xxx A NA |
| 11994887 |  | 11994887 | xxx D A NA |
| 16359956 |  | 16359956 | xxx D A |
| 15235348 |  | 15235348 | xxx D NA C |
| 14332086 |  | 14332086 | xxx A NA |
| 14358578 |  | 14358578 | xxx A D |
| 19086818 |  | 19086818 | xxx A C NA |
| 15267390 |  | 15267390 | xxx D A |
| 19149732 |  | 19149732 | xxx D A |
| 12930463 |  | 12930463 | xxx A |
| 19944325 |  | 19944325 | xxx A NA |
| 13808572 |  | 13808572 | xxx A NA |
| 14509914 |  | 14509914 | xxx A C NA |
| 16215524 |  | 16215524 | xxx A |
| 18612724 |  | 18612724 | xxx A NA |
| 11059613 |  | 11059613 | xxx D A NA B |
| 11740021 |  | 11740021 | xxx A |
| 15353350 |  | 15353350 | xxx A |
| 15893012 |  | 15893012 | xxx A NA |
| 11959407 |  | 11959407 | xxx A NA |
| 19534594 |  | 19534594 | xxx D A |
| 18848352 |  | 18848352 | xxx C A NA B |
| 18625433 |  | 18625433 | xxx A NA |
| 17933711 |  | 17933711 | xxx B A |
| 13454450 |  | 13454450 | xxx A NA |
| 10210340 |  | 10210340 | xxx C A |
| 15964691 |  | 15964691 | xxx A |
| 19326858 |  | 19326858 | xxx A NA |
| 17809574 |  | 17809574 | xxx A |
| 11037329 |  | 11037329 | xxx A |
| 11713730 |  | 11713730 | xxx A |
| 12253331 |  | 12253331 | xxx A NA |
| 19403603 |  | 19403603 | xxx A NA |
| 17466467 |  | 17466467 | xxx A |
| 11424644 |  | 11424644 | xxx A |
| 18421679 |  | 18421679 | xxx A NA |
| 13702178 |  | 13702178 | xxx D A |
| 13378963 |  | 13378963 | xxx A |
| 17030380 |  | 17030380 | xxx A NA C B |
| 16618494 |  | 16618494 | xxx A NA |
| 16574056 |  | 16574056 | xxx A |
| 12487818 |  | 12487818 | xxx A NA |
| 13602989 |  | 13602989 | xxx A C |
| 18156141 |  | 18156141 | xxx A NA |
| 11991294 |  | 11991294 | xxx A |
| 16122362 |  | 16122362 | xxx A |
| 18054030 |  | 18054030 | xxx A |
| 19805131 |  | 19805131 | xxx A |
| 13734886 |  | 13734886 | xxx D A |
| 14098600 |  | 14098600 | xxx A NA |
| 16518655 |  | 16518655 | xxx A NA |
| 18870010 |  | 18870010 | xxx A NA |
| 17712796 |  | 17712796 | xxx A NA |
| 13503798 |  | 13503798 | xxx A D NA |
| 13783216 |  | 13783216 | xxx A C NA |
| 14876837 |  | 14876837 | xxx A NA |
| 15535804 |  | 15535804 | xxx A NA |
| 13605267 |  | 13605267 | xxx A |
| 19353042 |  | 19353042 | xxx A |
| 15822512 |  | 15822512 | xxx A |
| 15927318 |  | 15927318 | xxx A NA |
| 12421341 |  | 12421341 | xxx A NA |
| 17626163 |  | 17626163 | xxx D A NA |
| 14767086 |  | 14767086 | xxx B A NA |
| 13707458 |  | 13707458 | xxx A D NA |
| 18370072 |  | 18370072 | xxx A NA |
| 16764319 |  | 16764319 | xxx A NA |
| 15469283 |  | 15469283 | xxx A NA |
| 11802651 |  | 11802651 | xxx A NA |
| 17072825 |  | 17072825 | xxx A |
| 19270496 |  | 19270496 | xxx A NA |
| 14371500 |  | 14371500 | xxx A |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 3**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 13472994 |  | 13472994 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 16.71 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx |
| 18200084 |  | 18200084 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 10.87 | 50.22 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17511304 |  | 17511304 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 28.23 | 60.48 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13594727 |  | 13594727 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 8.44 | 44.21 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17286639 |  | 17286639 | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.53 | 79.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 14810254 |  | 14810254 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 15.31 | 42.22 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16624514 |  | 16624514 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.69 | 68.92 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18019385 |  | 18019385 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.61 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17507936 |  | 17507936 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.81 | 73.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16185878 |  | 16185878 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.24 | 45.63 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 13717157 |  | 13717157 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.86 | 79.51 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11015266 |  | 11015266 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.53 | 50.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16475771 |  | 16475771 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.85 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17742699 |  | 17742699 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.55 | 68.12 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14603631 |  | 14603631 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 5.07 | 68.94 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18457852 |  | 18457852 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.92 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17705233 |  | 17705233 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.67 | 79.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11824585 |  | 11824585 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.74 | 89.54 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11885335 |  | 11885335 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.32 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13298236 |  | 13298236 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.04 | 79.7 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13653861 |  | 13653861 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.68 | 71.26 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14579865 |  | 14579865 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 16.67 | 55.33 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10985250 |  | 10985250 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 27.27 | 59.29 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14075622 |  | 14075622 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.53 | 41.39 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19127558 |  | 19127558 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 28.89 | 63.31 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14780942 |  | 14780942 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 25.0 | 47.85 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13128705 |  | 13128705 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 7.62 | 37.69 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12230572 |  | 12230572 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 24.88 | 73.32 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10920872 |  | 10920872 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.07 | 79.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.6 | xxx |
| 16570566 |  | 16570566 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.53 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17716735 |  | 17716735 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.28 | 72.54 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14027176 |  | 14027176 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.22 | 51.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18437390 |  | 18437390 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.88 | 67.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12107145 |  | 12107145 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.79 | 63.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 13559406 |  | 13559406 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.03 | 61.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 11584602 |  | 11584602 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 9.97 | 68.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13460539 |  | 13460539 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 22.01 | 74.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18688487 |  | 18688487 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.67 | 77.57 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15089033 |  | 15089033 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.92 | 70.98 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11101438 |  | 11101438 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.78 | 63.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 14532995 |  | 14532995 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.67 | 79.43 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17174189 |  | 17174189 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 12.99 | 42.63 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 11920823 |  | 11920823 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.88 | 72.07 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 19548692 |  | 19548692 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 23.24 | 75.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17542561 |  | 17542561 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.08 | 44.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11139114 |  | 11139114 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.07 | 77.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 19293600 |  | 19293600 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.64 | 89.98 | xxx | xxx | -.0015 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0015 | 95.0 | 0.05 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 15910143 |  | 15910143 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.38 | 79.8 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15008082 |  | 15008082 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 30.76 | 71.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16360233 |  | 16360233 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.75 | 72.39 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16731878 |  | 16731878 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.0 | 66.91 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15117043 |  | 15117043 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.68 | 53.21 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 10503727 |  | 10503727 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.69 | 89.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 11394260 |  | 11394260 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 31.76 | 69.13 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15172984 |  | 15172984 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.33 | 66.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17904542 |  | 17904542 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 19.71 | 66.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13941428 |  | 13941428 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.19 | 58.75 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 15199188 |  | 15199188 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.67 | 74.89 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14161088 |  | 14161088 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.5 | 69.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18439505 |  | 18439505 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.21 | 72.22 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19151372 |  | 19151372 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 19.87 | 64.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11341272 |  | 11341272 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.92 | 46.67 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16867938 |  | 16867938 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.09 | 74.33 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19434123 |  | 19434123 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 7.47 | 69.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11590098 |  | 11590098 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.2 | 69.93 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16411087 |  | 16411087 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.51 | 84.67 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18722915 |  | 18722915 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 31.53 | 63.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12225750 |  | 12225750 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 14.25 | 61.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19126126 |  | 19126126 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.45 | 54.91 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 96.0 | 0.04 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17104910 |  | 17104910 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.98 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14395918 |  | 14395918 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.35 | 77.57 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | xxx |
| 17423810 |  | 17423810 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.81 | 81.11 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19741117 |  | 19741117 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.3 | 79.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10511234 |  | 10511234 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.77 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 13106110 |  | 13106110 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.89 | 65.13 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2 | xxx |
| 12431616 |  | 12431616 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.69 | 74.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 11739064 |  | 11739064 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.52 | 44.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.9 | xxx |
| 18041685 |  | 18041685 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.26 | 41.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 16405786 |  | 16405786 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.66 | 69.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14013979 |  | 14013979 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.18 | 68.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19398023 |  | 19398023 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.22 | 64.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.7 | xxx |
| 11625605 |  | 11625605 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 29.58 | 67.71 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17339088 |  | 17339088 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.73 | 65.29 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10599214 |  | 10599214 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.91 | 64.69 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | High | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10444342 |  | 10444342 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.49 | 65.73 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.1 | xxx |
| 12156996 |  | 12156996 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.57 | 67.82 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10987210 |  | 10987210 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.94 | 64.95 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12958669 |  | 12958669 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.08 | 79.44 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19989544 |  | 19989544 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.77 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18320936 |  | 18320936 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.26 | 74.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13783417 |  | 13783417 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.9 | 72.7 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 15686310 |  | 15686310 | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 22.42 | 74.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12741526 |  | 12741526 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.9 | 60.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 13971314 |  | 13971314 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.73 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 13065850 |  | 13065850 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.39 | 60.67 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | xxx |
| 19687975 |  | 19687975 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.14 | 75.7 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12376157 |  | 12376157 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.88 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2 | xxx |
| 15115050 |  | 15115050 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.41 | 60.88 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 11615817 |  | 11615817 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.7 | 67.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19241360 |  | 19241360 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.16 | 60.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10880019 |  | 10880019 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 40.32 | 67.53 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18958850 |  | 18958850 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.63 | 66.12 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19996505 |  | 19996505 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.31 | 61.21 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19750890 |  | 19750890 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.3 | 66.54 | xxx | xxx | -.0109 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0109 | 95.0 | 0.05 | xxx | VeroValue Preferred | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19734575 |  | 19734575 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.35 | 61.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19961414 |  | 19961414 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.59 | 64.45 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13347963 |  | 13347963 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.59 | 66.19 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14672615 |  | 14672615 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 4.77 | 74.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15055992 |  | 15055992 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.15 | 42.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 11259844 |  | 11259844 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.7 | 51.79 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible |  |  |
| 17261267 |  | 17261267 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.37 | 74.18 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 19941402 |  | 19941402 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.74 | 72.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14897941 |  | 14897941 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.99 | 44.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.9 | xxx |
| 14721491 |  | 14721491 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.69 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14002923 |  | 14002923 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.83 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.4 | xxx |
| 12610071 |  | 12610071 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.07 | 67.36 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13070084 |  | 13070084 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 40.84 | 79.84 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14140380 |  | 14140380 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 10.71 | 53.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17610521 |  | 17610521 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 11.92 | 19.07 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10203815 |  | 10203815 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.22 | 60.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13887773 |  | 13887773 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.88 | 71.41 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17036030 |  | 17036030 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 17.73 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17574354 |  | 17574354 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 17.99 | 59.91 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17082736 |  | 17082736 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.56 | 62.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13746075 |  | 13746075 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.66 | 74.92 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 16906720 |  | 16906720 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.13 | 79.98 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13614159 |  | 13614159 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.68 | 71.02 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16122082 |  | 16122082 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.99 | 79.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16017647 |  | 16017647 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.74 | 62.32 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18564334 |  | 18564334 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 17.49 | 74.91 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11521131 |  | 11521131 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.74 | 85.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11089483 |  | 11089483 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.26 | 41.04 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18328147 |  | 18328147 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.29 | 64.98 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12210192 |  | 12210192 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.75 | 61.4 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18951676 |  | 18951676 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.78 | 74.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13353580 |  | 13353580 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.0 | 68.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10502205 |  | 10502205 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 13.18 | 42.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10220030 |  | 10220030 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.81 | 49.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12050840 |  | 12050840 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.48 | 59.08 | xxx | xxx | -.0667 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | xxx | -.0667 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | xxx |
| 15464575 |  | 15464575 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 30.3 | 62.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11064826 |  | 11064826 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.2 | 74.82 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18375487 |  | 18375487 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.91 | 79.86 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18214352 |  | 18214352 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.04 | 44.72 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10419180 |  | 10419180 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.03 | 77.83 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx |
| 12793095 |  | 12793095 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.04 | 66.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12753013 |  | 12753013 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.95 | 78.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 16805695 |  | 16805695 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.17 | 73.65 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 13796217 |  | 13796217 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.18 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19987861 |  | 19987861 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 68.83 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 10178749 |  | 10178749 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.85 | 79.62 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 12986186 |  | 12986186 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.48 | 74.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 796.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16677477 |  | 16677477 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 59.27 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 1000.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | xxx |
| 10846055 |  | 10846055 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.18 | 76.1 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 19830397 |  | 19830397 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.47 | 69.13 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 11058290 |  | 11058290 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.49 | 79.79 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18909028 |  | 18909028 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.5 | 69.7 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18594782 |  | 18594782 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.34 | 62.58 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17269620 |  | 17269620 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.62 | 82.39 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10076975 |  | 10076975 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 8.23 | 69.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10863066 |  | 10863066 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.53 | 74.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18232158 |  | 18232158 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 24.51 | 59.5 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13998801 |  | 13998801 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.06 | 47.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18884594 |  | 18884594 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.54 | 86.85 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10268598 |  | 10268598 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.41 | 70.78 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16909556 |  | 16909556 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.09 | 64.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18033255 |  | 18033255 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.39 | 77.48 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19462969 |  | 19462969 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.78 | 78.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 13682110 |  | 13682110 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.27 | 75.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible |  |  |
| 12094205 |  | 12094205 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.83 | 63.95 | xxx | xxx | .1173 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .1173 | 81.0 | 0.19 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15238706 |  | 15238706 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 24.79 | 74.63 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx |
| 19932912 |  | 19932912 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.87 | 67.63 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | xxx |
| 15317954 |  | 15317954 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 10.77 | 50.11 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 97.0 | 0.03 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18432627 |  | 18432627 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.16 | 70.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14506748 |  | 14506748 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.67 | 62.01 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15772480 |  | 15772480 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.22 | 82.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14633203 |  | 14633203 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.81 | 60.1 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14058578 |  | 14058578 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.6 | 77.83 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 14787343 |  | 14787343 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.14 | 75.54 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19416839 |  | 19416839 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 4.81 | 27.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11276911 |  | 11276911 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.57 | 67.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10767409 |  | 10767409 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.95 | 74.75 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13048286 |  | 13048286 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.59 | 68.96 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17551402 |  | 17551402 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.23 | 74.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10266795 |  | 10266795 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.89 | 66.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 10686146 |  | 10686146 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.36 | 76.15 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10939916 |  | 10939916 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 18.76 | 72.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17377228 |  | 17377228 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.19 | 69.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18252340 |  | 18252340 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 37.86 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19607598 |  | 19607598 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 30.0 | 56.84 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11421907 |  | 11421907 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.56 | 32.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13928595 |  | 13928595 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 28.11 | 64.52 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18027744 |  | 18027744 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.56 | 84.71 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.5 | xxx |
| 10130685 |  | 10130685 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.01 | 48.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 11747779 |  | 11747779 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.31 | 61.16 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10340012 |  | 10340012 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.08 | 71.57 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13854637 |  | 13854637 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 26.67 | 73.6 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16884440 |  | 16884440 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 51.2 | 64.19 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.9 | xxx |
| 19884830 |  | 19884830 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.02 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11255623 |  | 11255623 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.82 | 52.12 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 13193116 |  | 13193116 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.22 | 53.04 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 13601552 |  | 13601552 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.8 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 14105164 |  | 14105164 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 35.54 | 72.14 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 88.0 | 0.12 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12772709 |  | 12772709 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.0 | 74.91 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12546509 |  | 12546509 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.99 | 63.57 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15550686 |  | 15550686 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.11 | 65.15 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10555447 |  | 10555447 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 5.41 | 67.18 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19610896 |  | 19610896 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.24 | 54.16 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17445707 |  | 17445707 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.4 | 67.32 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16021164 |  | 16021164 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.31 | 67.83 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16186634 |  | 16186634 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.34 | 85.0 | xxx | xxx | .0947 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 18020653 |  | 18020653 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.44 | 75.31 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.2 | xxx |
| 15505918 |  | 15505918 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.23 | 76.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18502315 |  | 18502315 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.14 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 10247408 |  | 10247408 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.79 | 68.62 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19169406 |  | 19169406 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 25.51 | 74.9 |  |  |  |  |  |  |  |  | xxx | xxx | .0952 | xxx | 1073 Individual Condo Report |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12293337 |  | 12293337 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.05 | 77.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11941624 |  | 11941624 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.26 | 53.46 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13199675 |  | 13199675 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.26 | 76.5 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12337930 |  | 12337930 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.15 | 48.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16193343 |  | 16193343 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 69.58 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17614784 |  | 17614784 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.78 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11762526 |  | 11762526 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.82 | 77.26 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16727095 |  | 16727095 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.15 | 50.96 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18617822 |  | 18617822 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.74 | 69.55 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11811691 |  | 11811691 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.93 | 76.27 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18259477 |  | 18259477 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.55 | 57.25 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12415478 |  | 12415478 | xxx | xxx | 0 | xxx | xxx | xxx | AVM |  |  |  | xxx | 39.02 | 73.46 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17930896 |  | 17930896 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.28 | 79.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13219455 |  | 13219455 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.37 | 79.81 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14710808 |  | 14710808 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.19 | 74.46 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14954327 |  | 14954327 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 27.78 | 66.96 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19213365 |  | 19213365 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.92 | 69.78 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.6 | xxx |
| 16887576 |  | 16887576 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 20.95 | 72.5 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12545857 |  | 12545857 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.57 | 74.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19351412 |  | 19351412 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.41 | 61.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11154631 |  | 11154631 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.3 | 72.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13329377 |  | 13329377 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.3 | 51.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19776377 |  | 19776377 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.02 | 59.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19345565 |  | 19345565 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 10.43 | 46.32 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14646795 |  | 14646795 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.54 | 56.75 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10241345 |  | 10241345 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.41 | 59.77 | xxx | xxx | .0362 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0362 | 81.0 | 0.19 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 19007554 |  | 19007554 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.64 | 63.01 | xxx | xxx | .0244 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0244 | 88.0 | 0.12 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | xxx |
| 13710862 |  | 13710862 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.33 | 67.21 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16817913 |  | 16817913 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.91 | 79.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 16086720 |  | 16086720 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.61 | 51.5 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 19914194 |  | 19914194 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 44.12 | 69.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17926040 |  | 17926040 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.65 | 62.48 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17497999 |  | 17497999 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.04 | 56.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12176032 |  | 12176032 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 12.89 | 66.9 | xxx | xxx | .0473 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0473 | 97.0 | 0.03 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15988752 |  | 15988752 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.43 | 49.18 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 10832539 |  | 10832539 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.24 | 79.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.6 | xxx |
| 16894050 |  | 16894050 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.96 | 50.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16609123 |  | 16609123 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.73 | 31.66 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 13619588 |  | 13619588 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.19 | 78.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 16710327 |  | 16710327 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.37 | 89.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 3.2 |  |
| 15586126 |  | 15586126 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.2 | 48.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12940228 |  | 12940228 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.66 | 56.15 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 11078492 |  | 11078492 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 18.02 | 54.5 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19058153 |  | 19058153 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.71 | 74.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.4 | xxx |
| 17100550 |  | 17100550 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.49 | 84.79 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19858743 |  | 19858743 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 13.33 | 57.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16029171 |  | 16029171 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.38 | 55.3 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10545139 |  | 10545139 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.29 | 80.0 | xxx | 0.0 | .0000 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0000 | 100.0 | 0.0 | xxx | Other | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | xxx |
| 10097955 |  | 10097955 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.17 | 64.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17433563 |  | 17433563 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.13 | 51.52 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11350495 |  | 11350495 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 23.03 | 69.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17983270 |  | 17983270 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 21.24 | 64.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19633058 |  | 19633058 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.93 | 77.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16323087 |  | 16323087 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.31 | 36.02 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15922554 |  | 15922554 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.04 | 69.13 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11543530 |  | 11543530 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.81 | 76.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 18450380 |  | 18450380 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.5 | 84.91 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17265927 |  | 17265927 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.23 | 67.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11431500 |  | 11431500 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.49 | 51.21 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15684663 |  | 15684663 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.18 | 74.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 19074782 |  | 19074782 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.0 | 65.01 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13431106 |  | 13431106 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.63 | 33.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 12489954 |  | 12489954 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.08 | 69.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16439537 |  | 16439537 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.32 | 72.34 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 13805135 |  | 13805135 | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 21.72 | 64.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19584039 |  | 19584039 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.08 | 68.39 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17783485 |  | 17783485 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.59 | 26.61 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17097491 |  | 17097491 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.27 | 40.24 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13585846 |  | 13585846 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.03 | 73.48 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19346563 |  | 19346563 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.32 | 79.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18994734 |  | 18994734 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.52 | 79.89 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18447471 |  | 18447471 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.53 | 78.12 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15917016 |  | 15917016 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 19.09 | 35.04 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10942811 |  | 10942811 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 12.5 | 55.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11267284 |  | 11267284 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 47.43 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17052337 |  | 17052337 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.06 | 42.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14688818 |  | 14688818 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.76 | 64.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11183697 |  | 11183697 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.11 | 62.31 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18129236 |  | 18129236 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.32 | 75.85 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16556935 |  | 16556935 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.82 | 79.52 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14604227 |  | 14604227 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.97 | 78.76 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11935128 |  | 11935128 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.35 | 60.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 10163044 |  | 10163044 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.6 | 89.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 17904981 |  | 17904981 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.82 | 79.87 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15875165 |  | 15875165 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.55 | 75.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15974145 |  | 15974145 | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 20.65 | 65.96 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 12758819 |  | 12758819 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.12 | 64.28 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12142117 |  | 12142117 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.56 | 84.66 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12917791 |  | 12917791 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.52 | 36.42 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11920336 |  | 11920336 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.1 | 72.35 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18858667 |  | 18858667 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.77 | 59.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12397521 |  | 12397521 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.89 | 38.91 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15693174 |  | 15693174 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 13.89 | 49.05 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17054685 |  | 17054685 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.86 | 74.69 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10858031 |  | 10858031 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.42 | 69.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 11717087 |  | 11717087 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.14 | 63.02 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19414691 |  | 19414691 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.96 | 74.8 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14389437 |  | 14389437 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.82 | 74.41 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15297866 |  | 15297866 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.27 | 54.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16313797 |  | 16313797 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.71 | 89.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14777120 |  | 14777120 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.59 | 47.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11001565 |  | 11001565 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.66 | 81.6 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13979055 |  | 13979055 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.64 | 54.21 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 19401570 |  | 19401570 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.99 | 87.02 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 13967615 |  | 13967615 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.77 | 59.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17265481 |  | 17265481 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.67 | 22.66 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12154767 |  | 12154767 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.05 | 76.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11019500 |  | 11019500 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.95 | 43.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11558394 |  | 11558394 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 13.74 | 74.95 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 98.0 | 0.02 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13697763 |  | 13697763 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.49 | 74.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 11801002 |  | 11801002 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.84 | 49.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12016175 |  | 12016175 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.29 | 78.66 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12060407 |  | 12060407 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.48 | 54.94 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17320811 |  | 17320811 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 20.6 | 66.74 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16918510 |  | 16918510 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.53 | 69.07 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11207314 |  | 11207314 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.25 | 67.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16278806 |  | 16278806 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.26 | 79.87 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12417013 |  | 12417013 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.82 | 69.78 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11829971 |  | 11829971 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.2 | 54.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14986525 |  | 14986525 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.18 | 52.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 15488171 |  | 15488171 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.47 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 11485335 |  | 11485335 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.75 | 65.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 13988860 |  | 13988860 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.0 | 73.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 18612768 |  | 18612768 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.34 | 71.8 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16133474 |  | 16133474 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.78 | 80.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15318509 |  | 15318509 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.76 | 52.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 15096960 |  | 15096960 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.75 | 65.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16615824 |  | 16615824 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.62 | 64.7 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17275532 |  | 17275532 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 18.18 | 49.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15155267 |  | 15155267 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 89.09 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19941928 |  | 19941928 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.7 | 80.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11563614 |  | 11563614 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.45 | 77.94 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17459377 |  | 17459377 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.9 | 35.38 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13560344 |  | 13560344 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.11 | 69.72 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10244590 |  | 10244590 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.02 | 69.93 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17318117 |  | 17318117 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.3 | 66.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15502264 |  | 15502264 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.41 | 71.31 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12279935 |  | 12279935 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.46 | 78.17 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 11497321 |  | 11497321 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.33 | 89.84 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16221722 |  | 16221722 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 14.17 | 70.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17351738 |  | 17351738 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 15.0 | 47.8 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17879195 |  | 17879195 | xxx | xxx |  | 0 | xxx | xxx | 2055 Exterior Only Inspection Report | xxx | xxx | xxx | xxx | 15.7 | 73.87 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11471473 |  | 11471473 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.36 | 79.25 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18895406 |  | 18895406 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.71 | 79.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 10903111 |  | 10903111 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.47 | 51.31 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16768240 |  | 16768240 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.17 | 61.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.1 | xxx |
| 19598497 |  | 19598497 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.28 | 79.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 18177868 |  | 18177868 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.14 | 57.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 15134677 |  | 15134677 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.81 | 79.71 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.6 | xxx |
| 12294125 |  | 12294125 | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 17.64 | 75.84 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17232342 |  | 17232342 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.28 | 59.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | xxx |
| 12638301 |  | 12638301 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.63 | 74.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12564874 |  | 12564874 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.89 | 79.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14615158 |  | 14615158 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.01 | 74.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18039218 |  | 18039218 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.14 | 84.66 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13283366 |  | 13283366 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.35 | 79.98 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15255642 |  | 15255642 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.32 | 40.3 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13970165 |  | 13970165 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 35.15 | 69.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 88.0 | 0.12 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13725468 |  | 13725468 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 33.91 | 71.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16389919 |  | 16389919 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.32 | 69.4 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10741766 |  | 10741766 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.36 | 70.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14532193 |  | 14532193 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.95 | 79.05 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11601829 |  | 11601829 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 27.1 | 77.12 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12476036 |  | 12476036 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.75 | 72.15 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 14469567 |  | 14469567 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.23 | 58.61 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | xxx |
| 12822612 |  | 12822612 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.2 | 74.44 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 14201976 |  | 14201976 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.46 | 65.19 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17389943 |  | 17389943 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.77 | 73.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.9 | xxx |
| 16647572 |  | 16647572 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.22 | 66.87 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | xxx |
| 18789673 |  | 18789673 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 11.48 | 47.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 96.0 | 0.04 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18436638 |  | 18436638 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.21 | 77.67 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12868130 |  | 12868130 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 33.34 | 68.06 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10209194 |  | 10209194 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.08 | 70.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13580545 |  | 13580545 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.07 | 69.79 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11618070 |  | 11618070 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.06 | 54.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 18478608 |  | 18478608 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.41 | 84.93 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17180281 |  | 17180281 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.8 | 79.89 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14338111 |  | 14338111 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.23 | 77.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18546680 |  | 18546680 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 66.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 13946222 |  | 13946222 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.95 | 64.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 10620312 |  | 10620312 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.27 | 75.48 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | xxx |
| 10497178 |  | 10497178 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.7 | 89.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 13985343 |  | 13985343 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 5.89 | 59.27 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |
| 10073782 |  | 10073782 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 22.01 | 69.74 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14809367 |  | 14809367 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.71 | 73.5 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16890779 |  | 16890779 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 44.25 | 86.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16657397 |  | 16657397 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.34 | 42.72 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16136891 |  | 16136891 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.67 | 79.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17204191 |  | 17204191 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 12.54 | 37.06 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13116968 |  | 13116968 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.92 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | xxx |
| 15509140 |  | 15509140 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.75 | 72.42 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.8 | xxx |
| 12308938 |  | 12308938 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.82 | 58.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17346282 |  | 17346282 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.98 | 74.97 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16162325 |  | 16162325 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.96 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16375911 |  | 16375911 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.0 | 58.53 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11076272 |  | 11076272 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 11.61 | 65.41 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17082425 |  | 17082425 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.8 | 85.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13076653 |  | 13076653 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.53 | 76.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12377049 |  | 12377049 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.3 | 79.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 11227821 |  | 11227821 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.4 | 35.09 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 19425755 |  | 19425755 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.5 | 63.86 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 19455609 |  | 19455609 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.69 | 68.36 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 10199416 |  | 10199416 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.02 | 89.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.6 | xxx |
| 19539968 |  | 19539968 | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 32.64 | 69.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 12112085 |  | 12112085 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.41 | 78.29 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.3 | xxx |
| 19941341 |  | 19941341 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 57.62 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 11337430 |  | 11337430 | xxx | xxx |  | 0 | xxx | xxx | Broker Price Opinion (BPO) |  |  |  | xxx | 29.41 | 58.68 | xxx | xxx | .0235 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0235 | 90.0 | 0.1 | xxx | i-Val | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12664785 |  | 12664785 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.01 | 60.85 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16677901 |  | 16677901 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.52 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17644253 |  | 17644253 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.03 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12812347 |  | 12812347 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.3 | 79.92 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.2 | xxx |
| 12059718 |  | 12059718 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.58 | 74.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 10599192 |  | 10599192 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.8 | 74.85 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible |  |  |
| 13979854 |  | 13979854 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 19.97 | 48.17 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14271789 |  | 14271789 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.75 | 59.38 | xxx | xxx | .1258 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .1258 | 84.0 | 0.16 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17670865 |  | 17670865 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.76 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 10206499 |  | 10206499 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.45 | 66.91 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14124010 |  | 14124010 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.19 | 49.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | lowrisk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15369322 |  | 15369322 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.0 | 65.94 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19713855 |  | 19713855 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 17.12 | 69.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10089895 |  | 10089895 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.37 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10126635 |  | 10126635 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.58 | 74.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 18839855 |  | 18839855 | xxx | xxx |  | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 26.58 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 14271555 |  | 14271555 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.52 | 79.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19609521 |  | 19609521 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.11 | 37.48 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16464551 |  | 16464551 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.22 | 48.65 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12746634 |  | 12746634 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.79 | 79.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  | xxx |  | 0 |  |
| 17958162 |  | 17958162 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.76 | 84.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12287475 |  | 12287475 | xxx | xxx | 0 | xxx | xxx | xxx | AVM |  |  |  | xxx | 16.98 | 68.55 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17755321 |  | 17755321 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.58 | 74.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15616369 |  | 15616369 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.0 | 67.02 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16725045 |  | 16725045 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 14.82 | 71.17 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15528773 |  | 15528773 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.36 | 74.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14407685 |  | 14407685 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.18 | 39.83 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.4 | xxx |
| 17004562 |  | 17004562 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.06 | 55.35 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14260524 |  | 14260524 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 34.24 | 69.21 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18742035 |  | 18742035 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 30.37 | 79.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 97.0 | 0.03 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12591551 |  | 12591551 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 20.33 | 56.21 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14214854 |  | 14214854 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 34.96 | 84.59 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17608417 |  | 17608417 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.68 | 51.1 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15269852 |  | 15269852 | xxx | xxx | 0 | xxx | xxx | xxx | AVM |  |  |  | xxx | 17.89 | 79.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18663120 |  | 18663120 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.97 | 68.01 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14865087 |  | 14865087 | xxx | xxx |  | 0 | xxx | xxx | Broker Price Opinion (BPO) |  |  |  | xxx | 11.22 | 50.57 | xxx | 0.0 | .0000 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0000 | 91.0 | 0.09 | xxx | ClearAVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11081332 |  | 11081332 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.21 | 72.69 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 11617194 |  | 11617194 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.01 | 89.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.2 | xxx |
| 12676885 |  | 12676885 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.1 | 79.76 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 17446523 |  | 17446523 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.07 | 72.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 13482734 |  | 13482734 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.2 | 52.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 17016016 |  | 17016016 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.3 | 75.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 15864163 |  | 15864163 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.43 | 72.94 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18370838 |  | 18370838 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.35 | 73.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 10156503 |  | 10156503 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.98 | 60.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 13655746 |  | 13655746 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.03 | 31.35 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | xxx |
| 15438916 |  | 15438916 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.82 | 79.89 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11948257 |  | 11948257 | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 22.42 | 59.75 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17667481 |  | 17667481 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.0 | 62.47 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16383560 |  | 16383560 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.27 | 68.74 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19264336 |  | 19264336 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 24.83 | 69.9 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11099550 |  | 11099550 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.97 | 79.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14703369 |  | 14703369 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.8 | 54.93 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 14501212 |  | 14501212 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.81 | 69.81 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12003074 |  | 12003074 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 12.39 | 65.05 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17312831 |  | 17312831 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 27.34 | 66.82 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13041154 |  | 13041154 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.33 | 77.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 3.9 |  |
| 13909376 |  | 13909376 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.69 | 88.43 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19893875 |  | 19893875 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.58 | 54.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 12114455 |  | 12114455 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 61.83 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 18372594 |  | 18372594 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.31 | 78.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 10026468 |  | 10026468 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.12 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11289117 |  | 11289117 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.79 | 89.76 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14763973 |  | 14763973 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.41 | 89.75 | xxx | xxx | .0114 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.3 | xxx |
| 11701177 |  | 11701177 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 5.46 | 63.02 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible |  |  |
| 17117611 |  | 17117611 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.57 | 74.85 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible |  |  |
| 15381660 |  | 15381660 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.42 | 66.69 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12799668 |  | 12799668 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 23.98 | 54.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16429184 |  | 16429184 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.83 | 69.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16141442 |  | 16141442 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.99 | 55.48 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12629383 |  | 12629383 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.65 | 59.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 18763445 |  | 18763445 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.98 | 58.65 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 14242059 |  | 14242059 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.92 | 77.37 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19892312 |  | 19892312 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.03 | 58.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 16413237 |  | 16413237 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.33 | 66.43 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16658767 |  | 16658767 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.19 | 84.35 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 11789867 |  | 11789867 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.74 | 74.88 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 16265337 |  | 16265337 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.88 | 79.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 16985575 |  | 16985575 | xxx | xxx |  | 0 | xxx | xxx | 2055 Exterior Only Inspection Report | xxx | xxx | xxx | xxx | 23.24 | 70.0 | xxx | xxx | -.0224 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0224 | 94.0 | 0.06 | xxx | Other | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10206558 |  | 10206558 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.84 | 60.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.5 | xxx |
| 10530969 |  | 10530969 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 17.08 | 71.52 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10356464 |  | 10356464 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.63 | 80.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17293609 |  | 17293609 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.87 | 67.12 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14505846 |  | 14505846 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 10.87 | 49.41 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11414817 |  | 11414817 | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 13.69 | 47.74 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17646150 |  | 17646150 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.32 | 65.26 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17017764 |  | 17017764 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.7 | 43.47 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14271535 |  | 14271535 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 38.32 | 67.58 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15769232 |  | 15769232 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 16.51 | 69.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10515883 |  | 10515883 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.42 | 84.83 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19391979 |  | 19391979 | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 17.67 | 60.13 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16780268 |  | 16780268 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.04 | 79.77 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16561157 |  | 16561157 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.16 | 79.42 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19198113 |  | 19198113 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.82 | 89.66 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18309907 |  | 18309907 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.65 | 68.45 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10037780 |  | 10037780 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 54.65 | 90.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13565170 |  | 13565170 | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 30.18 | 74.96 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18676675 |  | 18676675 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.44 | 66.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 18436524 |  | 18436524 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.83 | 74.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18212934 |  | 18212934 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.94 | 78.39 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18241368 |  | 18241368 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.82 | 73.18 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17420331 |  | 17420331 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.81 | 77.17 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13243654 |  | 13243654 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.34 | 53.98 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11712987 |  | 11712987 | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 20.38 | 52.16 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12930526 |  | 12930526 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 29.9 | 84.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11997978 |  | 11997978 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.49 | 78.51 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16356064 |  | 16356064 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.74 | 67.23 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 12492568 |  | 12492568 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.69 | 59.02 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 19949081 |  | 19949081 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.65 | 69.24 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11590811 |  | 11590811 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.02 | 69.71 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 13795569 |  | 13795569 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.75 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12095748 |  | 12095748 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.65 | 64.27 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12014214 |  | 12014214 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.43 | 69.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19430346 |  | 19430346 | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.97 | 56.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 17483228 |  | 17483228 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.19 | 71.12 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15333407 |  | 15333407 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.85 | 32.74 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 15056338 |  | 15056338 | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 42.31 | 64.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 10116759 |  | 10116759 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.65 | 65.65 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 18872004 |  | 18872004 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.75 | 59.36 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 19526355 |  | 19526355 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.13 | 64.42 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 12138458 |  | 12138458 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.45 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 17462519 |  | 17462519 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 33.16 | 79.99 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | -.0056 | 94.0 | 0.06 | xxx | Other | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12999822 |  | 12999822 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.89 | 84.79 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11790385 |  | 11790385 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 21.14 | 69.61 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17547170 |  | 17547170 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.3 | 74.13 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17868495 |  | 17868495 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.12 | 80.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13062191 |  | 13062191 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.26 | 80.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13194520 |  | 13194520 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.15 | 79.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.1 | xxx |
| 10135261 |  | 10135261 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.55 | 84.4 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2 | xxx |
| 13469462 |  | 13469462 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.69 | 51.65 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11994887 |  | 11994887 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.32 | 70.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16359956 |  | 16359956 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.95 | 78.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15235348 |  | 15235348 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.49 | 61.81 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14332086 |  | 14332086 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 15.96 | 79.45 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14358578 |  | 14358578 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.61 | 65.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19086818 |  | 19086818 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.49 | 75.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15267390 |  | 15267390 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.0 | 65.9 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 19149732 |  | 19149732 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.19 | 64.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12930463 |  | 12930463 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.87 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.5 | xxx |
| 19944325 |  | 19944325 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 83.04 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13808572 |  | 13808572 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.58 | 36.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14509914 |  | 14509914 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.01 | 79.89 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16215524 |  | 16215524 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.77 | 70.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 18612724 |  | 18612724 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.09 | 82.3 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11059613 |  | 11059613 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.04 | 59.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11740021 |  | 11740021 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.19 | 73.34 | xxx | xxx | .0206 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0206 | 92.0 | 0.08 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15353350 |  | 15353350 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.71 | 57.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 15893012 |  | 15893012 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.37 | 74.69 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11959407 |  | 11959407 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.29 | 59.86 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19534594 |  | 19534594 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.27 | 69.68 | xxx | xxx | .0359 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0359 | 89.0 | 0.11 | xxx | ClearAVM | xxx | xxx | 0.0 | .0000 | xxx |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18848352 |  | 18848352 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.21 | 77.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18625433 |  | 18625433 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 12.15 | 61.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17933711 |  | 17933711 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 5.86 | 29.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 13454450 |  | 13454450 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.53 | 51.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 10210340 |  | 10210340 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.83 | 50.3 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 15964691 |  | 15964691 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.74 | 43.05 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 19326858 |  | 19326858 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.4 | 67.23 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17809574 |  | 17809574 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.38 | 48.71 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 11037329 |  | 11037329 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.93 | 69.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 11713730 |  | 11713730 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.69 | 61.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.9 | xxx |
| 12253331 |  | 12253331 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.21 | 58.49 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 19403603 |  | 19403603 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.02 | 78.62 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17466467 |  | 17466467 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.89 | 79.87 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 11424644 |  | 11424644 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.23 | 78.27 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 18421679 |  | 18421679 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.35 | 52.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13702178 |  | 13702178 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.09 | 65.48 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.9 | xxx |
| 13378963 |  | 13378963 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.12 | 77.58 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 17030380 |  | 17030380 | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 27.81 | 69.88 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16618494 |  | 16618494 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 7.73 | 49.74 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16574056 |  | 16574056 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.72 | 63.17 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 12487818 |  | 12487818 | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 16.82 | 69.54 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13602989 |  | 13602989 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.83 | 79.7 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 18156141 |  | 18156141 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.13 | 55.02 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11991294 |  | 11991294 | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 20.83 | 59.93 | xxx | xxx | .0854 | AVM |  |  |  |  | 0.0 |  |  |  |  | xxx | xxx | .0854 | 93.0 | 0.07 | xxx | VeroValue AVM | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16122362 |  | 16122362 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.44 | 68.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 18054030 |  | 18054030 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.31 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.7 | xxx |
| 19805131 |  | 19805131 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.27 | 64.31 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.7 | xxx |
| 13734886 |  | 13734886 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.86 | 74.41 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible |  |  |
| 14098600 |  | 14098600 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.74 | 79.68 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16518655 |  | 16518655 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.62 | 62.61 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18870010 |  | 18870010 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.5 | 79.87 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17712796 |  | 17712796 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.07 | 67.81 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13503798 |  | 13503798 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.91 | 84.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13783216 |  | 13783216 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 20.73 | 65.85 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14876837 |  | 14876837 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.76 | 66.03 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15535804 |  | 15535804 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.2 | 56.97 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13605267 |  | 13605267 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.46 | 47.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 19353042 |  | 19353042 | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.32 | 63.62 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.4 | xxx |
| 15822512 |  | 15822512 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.02 | 42.32 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 15927318 |  | 15927318 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.02 | 46.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 12421341 |  | 12421341 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.77 | 69.92 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17626163 |  | 17626163 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 19.85 | 79.39 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14767086 |  | 14767086 | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.07 | 79.73 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 13707458 |  | 13707458 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.07 | 70.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 18370072 |  | 18370072 | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 28.31 | 69.76 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 16764319 |  | 16764319 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.09 | 64.77 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 15469283 |  | 15469283 | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 30.52 | 69.71 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11802651 |  | 11802651 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.57 | 84.64 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 17072825 |  | 17072825 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.16 | 60.18 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 19270496 |  | 19270496 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.2 | 76.72 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 14371500 |  | 14371500 | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.76 | 40.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 13472994 |  | 13472994 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.71% | 33.71% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18200084 |  | 18200084 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.33% | 37.33% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17511304 |  | 17511304 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.20% | 21.20% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A |  |  |  | Yes | 103 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.48 | N/A | xxx | xxx | xxx | xxx | 2 |
| 13594727 |  | 13594727 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 45.69% | 45.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.21 | N/A | xxx |  |  | xxx | 1 |
| 17286639 |  | 17286639 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.25% | 34.25% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14810254 |  | 14810254 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.36% | 33.36% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 42.22 | N/A | xxx | xxx | xxx | xxx | 2 |
| 16624514 |  | 16624514 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.57% | 26.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18019385 |  | 18019385 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.65% | 41.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17507936 |  | 17507936 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.56% | 48.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 65 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16185878 |  | 16185878 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.82% | 35.82% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 30 | 30 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 45.63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13717157 |  | 13717157 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.86% | 39.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 123 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11015266 |  | 11015266 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 81 | 81 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16475771 |  | 16475771 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.52% | 42.52% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 47 | 47 | FNMA 1005 | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - Wage, Overtime and Bonus - Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower \|\| Co Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17742699 |  | 17742699 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.82% | 48.82% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.12 | N/A | xxx |  |  | xxx | 1 |
| 14603631 |  | 14603631 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 6.66% | 6.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 175 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified | Borrower - 1 YR Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.94 | N/A | xxx | xxx | xxx | xxx | 2 |
| 18457852 |  | 18457852 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.016 | 1.016 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17705233 |  | 17705233 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.82% | 48.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 Only | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11824585 |  | 11824585 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.74% | 47.74% | No | No | 1 | 1 | 3 | 3 | 3 | 3 | Self-Employed | Employed | Self-Employed | Not Employed | 19.43 | .00 | 1YR Full Doc | 1 | 1 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 7 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - SESCorp, Retirement, SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - 2024 \|\| Co Borrower 3 - SSI and Disability - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR IRS Transcripts Verified - 2024 \|\| Co Borrower 3 - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11885335 |  | 11885335 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.88% | 47.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13298236 |  | 13298236 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 125 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13653861 |  | 13653861 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.96% | 29.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 55 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14579865 |  | 14579865 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.021 | 2021 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.33 | N/A | xxx | xxx | xxx | xxx | 4 |
| 10985250 |  | 10985250 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.23% | 46.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.29 | Yes | xxx | xxx | xxx | xxx | 1 |
| 14075622 |  | 14075622 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.72% | 38.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19127558 |  | 19127558 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | Yes | xxx | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.02% | 31.02% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 264 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.31 | N/A | xxx | xxx | xxx | xxx | 3 |
| 14780942 |  | 14780942 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.32% | 41.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.85 | Yes | xxx | xxx | xxx | xxx | 1 |
| 13128705 |  | 13128705 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.01% | 39.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 262 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12230572 |  | 12230572 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.71% | 49.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  |  | 1 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - null Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2022"] | Borrower - null Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.32 | N/A | xxx | xxx | xxx | xxx | 3 |
| 10920872 |  | 10920872 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.24% | 41.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Military and Government Assistance - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16570566 |  | 16570566 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 91 | 91 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17716735 |  | 17716735 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.56% | 43.56% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - 2 YRS Executed 4506T Verified - 2025 | Borrower - 2 YRS Executed 4506T Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14027176 |  | 14027176 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.04% | 41.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18437390 |  | 18437390 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.99% | 35.99% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | Yes | 31 | 31 | Work Number | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12107145 |  | 12107145 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.95% | 42.95% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 111 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage, Overtime and Bonus, Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 1 YR Personal Tax Returns Verified, IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13559406 |  | 13559406 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.23% | 38.23% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11584602 |  | 11584602 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.053 | 1.053 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 68.97 | N/A | xxx | xxx | xxx | xxx | 4 |
| 13460539 |  | 13460539 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.08% | 20.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A | xxx | xxx | xxx | xxx | 2 |
| 18688487 |  | 18688487 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.90% | 22.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | 1 Month | 2+ Months | Yes | 10 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15089033 |  | 15089033 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.28% | 7.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 204 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11101438 |  | 11101438 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.02% | 31.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 21 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14532995 |  | 14532995 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.32% | 33.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17174189 |  | 17174189 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.48% | 43.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 302 | 302 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.63 | N/A | xxx | xxx | xxx | xxx | 4 |
| 11920823 |  | 11920823 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.52% | 40.52% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 208 | 205 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19548692 |  | 19548692 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.90% | 22.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.71 | N/A | xxx |  |  | xxx | 1 |
| 17542561 |  | 17542561 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.26% | 22.26% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 145 | 33 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11139114 |  | 11139114 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.18% | 47.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 8 | Borrower |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19293600 |  | 19293600 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.47% | 46.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15910143 |  | 15910143 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.57% | 48.57% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 74 | 29 | Work Number | Yes | 182 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15008082 |  | 15008082 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.32% | 45.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 183 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.83 | N/A | xxx | xxx | xxx | xxx | 2 |
| 16360233 |  | 16360233 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.13% | 41.13% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 67.60% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 211 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16731878 |  | 16731878 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.84% | 42.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15117043 |  | 15117043 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.01% | 31.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 252 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.21 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10503727 |  | 10503727 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.09% | 32.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11394260 |  | 11394260 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.09% | 38.09% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 128 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.13 | N/A | xxx | xxx | xxx | xxx | 2 |
| 15172984 |  | 15172984 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.20% | 41.20% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17904542 |  | 17904542 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.49 | N/A | xxx | xxx | xxx | xxx | 2 |
| 13941428 |  | 13941428 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.94% | 22.94% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15199188 |  | 15199188 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.31% | 46.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14161088 |  | 14161088 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18439505 |  | 18439505 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.46% | 47.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19151372 |  | 19151372 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.70% | 17.70% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | xxx |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.92 | N/A | xxx |  |  | xxx | 1 |
| 11341272 |  | 11341272 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.43% | 49.43% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | CPA | 19 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16867938 |  | 16867938 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.52% | 37.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States Of America | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19434123 |  | 19434123 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.505 | 1.5 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 4 |
| 11590098 |  | 11590098 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.15% | 33.15% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16411087 |  | 16411087 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.71% | 44.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 77 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.67 | N/A | xxx |  |  | xxx | 1 |
| 18722915 |  | 18722915 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.284 | 1.284 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 63 | N/A | xxx | xxx | xxx | xxx | 3 |
| 12225750 |  | 12225750 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.74% | 42.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 207 | 32 | Work Number | Yes | 27 | 16 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.97 | N/A | xxx |  |  | xxx | 1 |
| 19126126 |  | 19126126 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.263 | 1.262 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.91 | N/A | xxx |  |  | xxx | 1 |
| 17104910 |  | 17104910 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.20% | 35.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14395918 |  | 14395918 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.009 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17423810 |  | 17423810 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.24% | 48.24% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.11 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19741117 |  | 19741117 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.77% | 38.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10511234 |  | 10511234 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 13.86% | 13.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13106110 |  | 13106110 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.15% | 44.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Overtime and Bonus, Other, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12431616 |  | 12431616 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.69% | 35.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11739064 |  | 11739064 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.74% | 43.74% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Missing | 0 | 0 | No | Missing | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18041685 |  | 18041685 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.40% | 38.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16405786 |  | 16405786 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.11% | 40.11% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 180 | 32 | Work Number | Yes | 204 | 32 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.71 | N/A | xxx |  |  | xxx | 1 |
| 14013979 |  | 14013979 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.32% | 27.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 62 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19398023 |  | 19398023 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.48% | 43.48% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11625605 |  | 11625605 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.71% | 42.71% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.71 | N/A | xxx | xxx | xxx | xxx | 3 |
| 17339088 |  | 17339088 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.45% | 40.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.29 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10599214 |  | 10599214 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.41% | 42.41% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 19 | 19 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | xxx | xxx | 1 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10444342 |  | 10444342 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.76% | 35.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 18 | 18 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12156996 |  | 12156996 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.56% | 41.56% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 15 | 21 | Work Number | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10987210 |  | 10987210 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.29% | 39.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12958669 |  | 12958669 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.52% | 40.52% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 1 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 18 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership - 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower | Borrower - 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19989544 |  | 19989544 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 12.98% | 12.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18320936 |  | 18320936 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.14% | 40.14% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 32 | Work Number | Yes | 112 | 32 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13783417 |  | 13783417 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.22% | 42.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15686310 |  | 15686310 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.25 | Yes | xxx | xxx | xxx | xxx | 1 |
| 12741526 |  | 12741526 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.19% | 42.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13971314 |  | 13971314 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.99% | 42.99% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 69 | 32 | Work Number | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13065850 |  | 13065850 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.72% | 33.72% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19687975 |  | 19687975 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.10% | 41.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 200 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12376157 |  | 12376157 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 33 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15115050 |  | 15115050 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.26% | 26.26% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11615817 |  | 11615817 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.97% | 41.97% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19241360 |  | 19241360 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.83% | 41.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 46 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10880019 |  | 10880019 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.08% | 23.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.53 | N/A | xxx |  |  | xxx | 1 |
| 18958850 |  | 18958850 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.99% | 43.99% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 55 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19996505 |  | 19996505 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.71% | 45.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 210 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.21 | N/A | xxx |  |  | xxx | 1 |
| 19750890 |  | 19750890 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.79% | 32.79% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 66.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19734575 |  | 19734575 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.151 | 1.144 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19961414 |  | 19961414 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.87% | 22.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 308 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13347963 |  | 13347963 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.55% | 26.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14672615 |  | 14672615 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.13% | 42.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 84.45% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 74.73 | N/A | xxx | xxx | xxx | xxx | 3 |
| 15055992 |  | 15055992 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.74% | 37.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 183 | 32 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11259844 |  | 11259844 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.42% | 35.42% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 318 | 318 | Work Number | Yes | 281 | 281 | Other | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17261267 |  | 17261267 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.72% | 39.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19941402 |  | 19941402 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.13% | 44.13% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 32 | 211 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 72.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14897941 |  | 14897941 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.04% | 41.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | US | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 44.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14721491 |  | 14721491 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.94% | 44.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 16 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14002923 |  | 14002923 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.71% | 32.71% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12610071 |  | 12610071 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.38% | 37.38% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, Award Letter Verified \|\| Co Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, Award Letter Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13070084 |  | 13070084 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.15% | 37.15% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.84 | N/A | xxx |  |  | xxx | 1 |
| 14140380 |  | 14140380 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.06% | 39.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.77 | Yes | xxx | xxx | xxx | xxx | 1 |
| 17610521 |  | 17610521 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.86% | 42.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 19.07 | N/A | xxx | xxx | xxx | xxx | 3 |
| 10203815 |  | 10203815 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.88% | 42.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 41 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13887773 |  | 13887773 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.50% | 40.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.41 | Yes | xxx |  |  | xxx | 1 |
| 17036030 |  | 17036030 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.71% | 10.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | No | xxx | xxx | xxx | xxx | 1 |
| 17574354 |  | 17574354 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.56% | 41.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 297 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.91 | N/A | xxx | xxx | xxx | xxx | 3 |
| 17082736 |  | 17082736 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.23% | 35.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13746075 |  | 13746075 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.64% | 34.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16906720 |  | 16906720 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.75% | 43.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13614159 |  | 13614159 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 36.37% | 36.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 96.97% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.02 | N/A | xxx |  |  | xxx | 1 |
| 16122082 |  | 16122082 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.23% | 29.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 24.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16017647 |  | 16017647 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.74% | 0.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18564334 |  | 18564334 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.21% | 49.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | Yes | xxx | xxx | xxx | xxx | 1 |
| 11521131 |  | 11521131 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.59% | 38.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 126 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11089483 |  | 11089483 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.25% | 37.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18328147 |  | 18328147 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.20% | 38.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12210192 |  | 12210192 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.65% | 33.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.4 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18951676 |  | 18951676 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.419 | 1.418 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 74.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13353580 |  | 13353580 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.54% | 17.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10502205 |  | 10502205 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.83 | N/A | xxx |  |  | xxx | 1 |
| 10220030 |  | 10220030 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.97% | 36.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12050840 |  | 12050840 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.88% | 43.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15464575 |  | 15464575 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.12% | 45.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.95 | N/A | xxx | xxx | xxx | xxx | 2 |
| 11064826 |  | 11064826 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.04% | 31.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18375487 |  | 18375487 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.81% | 19.81% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 211 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18214352 |  | 18214352 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.40% | 33.40% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Other, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - Retirement, Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 44.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10419180 |  | 10419180 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.19% | 42.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 290 | 32 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12793095 |  | 12793095 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.23% | 39.23% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 57 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12753013 |  | 12753013 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.98% | 46.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 133 | 31 | Work Number | Yes | 94 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16805695 |  | 16805695 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.79% | 44.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13796217 |  | 13796217 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.89% | 44.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 111 | 111 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19987861 |  | 19987861 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.82% | 35.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10178749 |  | 10178749 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.00% | 44.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12986186 |  | 12986186 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.46% | 34.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16677477 |  | 16677477 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.15% | 39.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 134 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10846055 |  | 10846055 | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.49% | 25.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.1 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19830397 |  | 19830397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.54% | 41.54% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11058290 |  | 11058290 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.52% | 43.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Missing CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.79 | N/A | xxx |  |  | xxx | 1 |
| 18909028 |  | 18909028 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.34% | 41.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18594782 |  | 18594782 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.54% | 18.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17269620 |  | 17269620 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.83% | 46.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10076975 |  | 10076975 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.37% | 44.37% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 240 | Yes | 228 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.68 | N/A | xxx | xxx | xxx | xxx | 4 |
| 10863066 |  | 10863066 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.29% | 46.29% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18232158 |  | 18232158 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.5 | N/A | xxx |  |  | xxx | 1 |
| 13998801 |  | 13998801 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.46% | 44.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18884594 |  | 18884594 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.06% | 48.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 99.19% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10268598 |  | 10268598 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.013 | 1.014 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16909556 |  | 16909556 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.074 | 1.074 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18033255 |  | 18033255 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.55% | 18.55% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 348 | Yes | 348 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19462969 |  | 19462969 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.37% | 39.37% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 10 | 10 | FNMA 1005 | Yes | 180 | 32 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13682110 |  | 13682110 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.68% | 43.68% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 30 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12094205 |  | 12094205 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.82% | 41.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 9 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15238706 |  | 15238706 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.97% | 39.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.63 | Yes | xxx | xxx | xxx | xxx | 1 |
| 19932912 |  | 19932912 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.95% | 40.95% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 73 | 19 | FNMA 1005 | No | 0 |  | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15317954 |  | 15317954 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.15% | 45.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 219 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.11 | N/A | xxx |  |  | xxx | 1 |
| 18432627 |  | 18432627 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.97% | 44.97% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 15 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14506748 |  | 14506748 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 15.30% | 15.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15772480 |  | 15772480 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.62% | 32.62% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Documentation | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 82.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14633203 |  | 14633203 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.34% | 48.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.1 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14058578 |  | 14058578 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.81% | 48.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 81 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14787343 |  | 14787343 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 8.12% | 8.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19416839 |  | 19416839 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.01% | 39.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11276911 |  | 11276911 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.35% | 20.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 27.95% |  |  | N/A | 0 | N/A |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10767409 |  | 10767409 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.70% | 27.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 88 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13048286 |  | 13048286 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.45% | 48.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 75.92% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17551402 |  | 17551402 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.45% | 48.45% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.95 | N/A | xxx |  |  | xxx | 1 |
| 10266795 |  | 10266795 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.22% | 45.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 42 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10686146 |  | 10686146 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.52% | 41.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10939916 |  | 10939916 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.82% | 36.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.95 | N/A | xxx |  |  | xxx | 1 |
| 17377228 |  | 17377228 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.30% | 40.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18252340 |  | 18252340 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.33% | 39.33% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 84 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 40.91% |  | 7383.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 224 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 37.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19607598 |  | 19607598 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.68% | 48.68% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 23 | 17 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.84 | N/A | xxx | xxx | xxx | xxx | 2 |
| 11421907 |  | 11421907 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.68% | 23.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13928595 |  | 13928595 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.15% | 48.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.52 | N/A | xxx | xxx | xxx | xxx | 4 |
| 18027744 |  | 18027744 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.28% | 37.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 178 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10130685 |  | 10130685 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.51% | 24.51% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 97 | 32 | FNMA 1005 | Yes | 25 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11747779 |  | 11747779 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.85% | 43.85% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement, SSI and Disability, Other, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10340012 |  | 10340012 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.95% | 44.95% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 277 | 277 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13854637 |  | 13854637 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.70% | 27.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.6 | N/A | xxx | xxx | xxx | xxx | 3 |
| 16884440 |  | 16884440 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.24% | 43.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19884830 |  | 19884830 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.44% | 40.44% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 70 | 70 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11255623 |  | 11255623 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.28% | 39.28% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13193116 |  | 13193116 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.98% | 42.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | FNMA 1005 | Yes | 31 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13601552 |  | 13601552 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.25% | 45.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 95.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14105164 |  | 14105164 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 44.42% | 44.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 72.14 | N/A | xxx |  |  | xxx | 1 |
| 12772709 |  | 12772709 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.84% | 49.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 148 | 148 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12546509 |  | 12546509 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.90% | 45.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 111 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.57 | N/A | xxx |  |  | xxx | 1 |
| 15550686 |  | 15550686 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.83% | 35.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 115 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10555447 |  | 10555447 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.92% | 42.92% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19610896 |  | 19610896 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.67% | 20.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17445707 |  | 17445707 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.31% | 45.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16021164 |  | 16021164 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.223 | 1.023 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16186634 |  | 16186634 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.79% | 46.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 78 | 30 | FNMA 1005 | Yes | 67 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18020653 |  | 18020653 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.55% | 32.55% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15505918 |  | 15505918 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.96% | 44.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18502315 |  | 18502315 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.26% | 42.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 20 | 20 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10247408 |  | 10247408 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.27% | 49.27% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19169406 |  | 19169406 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.70% | 37.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.9 | Yes | xxx | xxx | xxx | xxx | 1 |
| 12293337 |  | 12293337 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.91% | 35.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 141 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11941624 |  | 11941624 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.20% | 16.20% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - [] \|\| Co Borrower - N/A | Borrower - [] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13199675 |  | 13199675 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.17% | 31.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12337930 |  | 12337930 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.11% | 49.11% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 20 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Wage, Overtime and Bonus, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16193343 |  | 16193343 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.10% | 43.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 148 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17614784 |  | 17614784 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.70% | 37.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11762526 |  | 11762526 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.68% | 30.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16727095 |  | 16727095 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.49% | 27.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18617822 |  | 18617822 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.49% | 41.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11811691 |  | 11811691 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.39% | 38.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18259477 |  | 18259477 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 57.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12415478 |  | 12415478 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.13 | 1.13 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 73.46 | N/A | xxx |  |  | xxx | 1 |
| 17930896 |  | 17930896 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.52% | 23.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13219455 |  | 13219455 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.96% | 47.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14710808 |  | 14710808 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.71% | 44.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14954327 |  | 14954327 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.87% | 17.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.96 | Yes | xxx | xxx | xxx | xxx | 1 |
| 19213365 |  | 19213365 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.09% | 35.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16887576 |  | 16887576 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.78% | 45.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.5 | N/A | xxx | xxx | xxx | xxx | 2 |
| 12545857 |  | 12545857 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.12% | 13.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 19 | CPA |  |  |  | Yes | 87 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19351412 |  | 19351412 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.13% | 18.13% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11154631 |  | 11154631 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.64% | 46.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13329377 |  | 13329377 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.04% | 47.04% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 297 | Yes | 361 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19776377 |  | 19776377 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.16% | 25.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19345565 |  | 19345565 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.229 | 1.229 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 46.32 | N/A | xxx | xxx | xxx | xxx | 4 |
| 14646795 |  | 14646795 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.82% | 43.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10241345 |  | 10241345 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.65% | 31.65% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] \|\| Co Borrower - Retirement, SSI and Disability - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 59.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19007554 |  | 19007554 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.03% | 35.03% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13710862 |  | 13710862 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.24% | 28.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 77 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.21 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16817913 |  | 16817913 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.60% | 42.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16086720 |  | 16086720 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.34% | 49.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 334 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19914194 |  | 19914194 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 1.51% | 1.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot ACT | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17926040 |  | 17926040 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.39% | 24.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | Yes | 128 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17497999 |  | 17497999 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.31% | 39.31% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 25 | Yes | Yes | 0 | 25 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12176032 |  | 12176032 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 27.02% | 27.02% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2021","2022","2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2021","2022","2023","2024","2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2021","2022","2023","2024","2025"] \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2021","2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 66.9 | N/A | xxx |  |  | xxx | 1 |
| 15988752 |  | 15988752 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.67% | 37.67% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10832539 |  | 10832539 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.94% | 39.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 87 | 87 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16894050 |  | 16894050 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.02% | 35.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 59 | 59 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16609123 |  | 16609123 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.14% | 40.14% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 96 | 32 | Other | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13619588 |  | 13619588 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.56% | 44.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 3 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS IRS Transcripts Verified - ["2022","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2022","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16710327 |  | 16710327 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.23% | 18.23% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 70.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 2 YRS Executed 4506T Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | Work Visa |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | USA | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 89.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15586126 |  | 15586126 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.55% | 48.55% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12940228 |  | 12940228 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.16% | 39.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 247 | 20 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11078492 |  | 11078492 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.15% | 9.15% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 80 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 54.5 | N/A | xxx |  |  | xxx | 1 |
| 19058153 |  | 19058153 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.30% | 39.30% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | Yes | 60 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17100550 |  | 17100550 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.61% | 22.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.79 | N/A | xxx | xxx | xxx | xxx | 2 |
| 19858743 |  | 19858743 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.68% | 19.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 285 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.49 | N/A | xxx | xxx | xxx | xxx | 2 |
| 16029171 |  | 16029171 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.61% | 41.61% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 56 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10545139 |  | 10545139 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.40% | 23.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 107 | 19 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10097955 |  | 10097955 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.97% | 46.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17433563 |  | 17433563 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.28% | 39.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11350495 |  | 11350495 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.184 | 1.184 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 4 |
| 17983270 |  | 17983270 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.89% | 26.89% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.97 | N/A | xxx | xxx | xxx | xxx | 4 |
| 19633058 |  | 19633058 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.35% | 35.35% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 14 | 14 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16323087 |  | 16323087 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.20% | 42.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 36.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15922554 |  | 15922554 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.58% | 36.58% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - N/A - CPA Letter Verified | Borrower - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11543530 |  | 11543530 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.26% | 37.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 14 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 76.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18450380 |  | 18450380 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.99% | 38.99% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 235 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17265927 |  | 17265927 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.57% | 24.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - [] | Borrower - 2 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11431500 |  | 11431500 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 51.21 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15684663 |  | 15684663 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.75% | 44.75% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 90 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - [] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19074782 |  | 19074782 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.04% | 44.04% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13431106 |  | 13431106 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 15.16% | 15.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 54 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 33.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12489954 |  | 12489954 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.983 | 1.983 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16439537 |  | 16439537 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 49.49% | 49.49% | No | No | 1 |  | 4 |  | 3 |  | Employed | Employed | Employed |  | 2.39 |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower 2 - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower 2 - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 72.34 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13805135 |  | 13805135 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.90% | 26.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 13 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.95 | Yes | xxx | xxx | xxx | xxx | 1 |
| 19584039 |  | 19584039 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.89% | 40.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17783485 |  | 17783485 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.072 | 1.072 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 26.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17097491 |  | 17097491 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.504 | 1.56 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13585846 |  | 13585846 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 25.12% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Commission, SESoleProprietor - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19346563 |  | 19346563 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.13% | 41.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18994734 |  | 18994734 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.96% | 21.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 274 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18447471 |  | 18447471 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.96% | 49.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15917016 |  | 15917016 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.21% | 40.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.04 | N/A | xxx | xxx | xxx | xxx | 2 |
| 10942811 |  | 10942811 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.51% | 39.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.69 | Yes | xxx | xxx | xxx | xxx | 1 |
| 11267284 |  | 11267284 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.134 | 1.138 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 47.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17052337 |  | 17052337 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.41% | 41.41% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14688818 |  | 14688818 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.49% | 40.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 110 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11183697 |  | 11183697 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.13% | 43.13% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 76.80% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18129236 |  | 18129236 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.37% | 38.37% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 21 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2025"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16556935 |  | 16556935 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.65% | 36.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 174 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14604227 |  | 14604227 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2025"] | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11935128 |  | 11935128 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.55% | 37.55% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 60.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10163044 |  | 10163044 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.68% | 44.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 220 | 220 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 89.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17904981 |  | 17904981 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.75% | 41.75% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | FNMA 1005 | Yes | 37 | 37 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15875165 |  | 15875165 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.95% | 42.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15974145 |  | 15974145 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.59% | 37.59% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.96 | Yes | xxx | xxx | xxx | xxx | 1 |
| 12758819 |  | 12758819 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.23% | 37.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12142117 |  | 12142117 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 19.65% | 19.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12917791 |  | 12917791 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 21.08% | 21.08% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | 36.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11920336 |  | 11920336 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.53% | 38.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18858667 |  | 18858667 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.70% | 22.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2022"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Identification Card | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12397521 |  | 12397521 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.48% | 17.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 374 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 38.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15693174 |  | 15693174 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.57% | 42.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.05 | N/A | xxx | xxx | xxx | xxx | 2 |
| 17054685 |  | 17054685 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 0.959 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10858031 |  | 10858031 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.59% | 47.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11717087 |  | 11717087 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.26% | 48.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 56.75% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Retirement - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19414691 |  | 19414691 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.27% | 26.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 38 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14389437 |  | 14389437 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.50% | 46.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 70 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15297866 |  | 15297866 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.10% | 37.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16313797 |  | 16313797 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.99% | 35.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot ACT | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14777120 |  | 14777120 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.67% | 20.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 235 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11001565 |  | 11001565 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.10% | 42.10% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 81.6 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13979055 |  | 13979055 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.76% | 26.76% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 114 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.21 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19401570 |  | 19401570 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.65% | 39.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 292 | 292 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 87.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13967615 |  | 13967615 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.81% | 29.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 62 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17265481 |  | 17265481 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.19% | 47.19% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Military and Government Assistance, SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 22.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12154767 |  | 12154767 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.87% | 36.87% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11019500 |  | 11019500 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.91% | 37.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 230 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11558394 |  | 11558394 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.77% | 21.77% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.95 | N/A | xxx |  |  | xxx | 1 |
| 13697763 |  | 13697763 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.97% | 13.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11801002 |  | 11801002 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.09% | 37.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 432 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12016175 |  | 12016175 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.16% | 45.16% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 102 | 33 | Work Number | Yes | 5 | 5 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12060407 |  | 12060407 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.27% | 48.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17320811 |  | 17320811 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.72% | 46.72% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 84 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 21.84% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | Yes | 49 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - SESoleProprietor, SSI and Disability, Asset Depletion - CPA Letter Verified, Award Letter Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.74 | N/A | xxx |  |  | xxx | 1 |
| 16918510 |  | 16918510 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.41% | 30.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11207314 |  | 11207314 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.75% | 33.75% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16278806 |  | 16278806 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 27.77% | 27.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12417013 |  | 12417013 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.55% | 35.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 15 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11829971 |  | 11829971 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14986525 |  | 14986525 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.69% | 43.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 91 | 33 | FNMA 1005 | Yes | 91 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 18.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15488171 |  | 15488171 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.50% | 42.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11485335 |  | 11485335 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.06% | 44.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13988860 |  | 13988860 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.62% | 44.62% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18612768 |  | 18612768 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.49% | 28.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 92 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16133474 |  | 16133474 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 34.88% | 34.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15318509 |  | 15318509 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.61% | 45.61% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15096960 |  | 15096960 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.46% | 28.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16615824 |  | 16615824 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.10% | 44.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 64.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17275532 |  | 17275532 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.32% | 4.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.07 | N/A | xxx | xxx | xxx | xxx | 4 |
| 15155267 |  | 15155267 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.26% | 41.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19941928 |  | 19941928 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.93% | 4.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11563614 |  | 11563614 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.20% | 49.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17459377 |  | 17459377 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.36 | 1.36 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13560344 |  | 13560344 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.45% | 24.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] | Borrower - 1 YR Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.72 | N/A | xxx |  |  | xxx | 1 |
| 10244590 |  | 10244590 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 6.03% | 6.03% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17318117 |  | 17318117 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15502264 |  | 15502264 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.22% | 35.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 125 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12279935 |  | 12279935 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.98% | 39.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11497321 |  | 11497321 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.43% | 45.43% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 4 | 4 | FNMA 1005 | Yes | 28 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16221722 |  | 16221722 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.304 | 1.304 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 4 |
| 17351738 |  | 17351738 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.37% | 7.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.8 | N/A | xxx | xxx | xxx | xxx | 2 |
| 17879195 |  | 17879195 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | Annually | 0.00% | 48.94% | 48.94% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.87 | N/A | xxx |  |  | xxx | 1 |
| 11471473 |  | 11471473 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.01% | 37.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18895406 |  | 18895406 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.30% | 41.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10903111 |  | 10903111 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16768240 |  | 16768240 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.04% | 33.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 61.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19598497 |  | 19598497 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.64% | 40.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 34 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18177868 |  | 18177868 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.04% | 38.04% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SSI and Disability - Award Letter Verified - ["2024","2023"] \|\| Co Borrower - Retirement - Award Letter Verified - ["2023","2024"] | Borrower - ["2024","2023"] \|\| Co Borrower - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15134677 |  | 15134677 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.56% | 38.56% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | 9 | Accountant/Bookkeeper | Third-Party Prepared (Unaudited) | Accountant/Bookkeeper | 9 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] \|\| Co Borrower - SSI and Disability, SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, Balance Sheet Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12294125 |  | 12294125 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 33.34% | 33.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.84 | N/A | xxx |  |  | xxx | 1 |
| 17232342 |  | 17232342 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.86% | 39.86% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 2 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025","2023"] \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12638301 |  | 12638301 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.88% | 31.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12564874 |  | 12564874 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.14% | 28.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] | Borrower - Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14615158 |  | 14615158 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 49.28% | 49.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18039218 |  | 18039218 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.81% | 41.81% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | Yes | 96 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen |  | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13283366 |  | 13283366 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.18% | 33.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.98 | N/A | xxx |  |  | xxx | 1 |
| 15255642 |  | 15255642 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.63% | 28.63% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 98.65% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 157 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13970165 |  | 13970165 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.25% | 45.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.83 | N/A | xxx |  |  | xxx | 1 |
| 13725468 |  | 13725468 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.26% | 44.26% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 169 | 46 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - [] | Borrower - 2 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.92 | N/A | xxx |  |  | xxx | 1 |
| 16389919 |  | 16389919 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.11% | 44.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 69.4 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10741766 |  | 10741766 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.046 | 1.046 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 70 | Yes | xxx |  |  | xxx | 1 |
| 14532193 |  | 14532193 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.91% | 40.91% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 3 | 3 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 19 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 126 | 33 | FNMA 1005 | Yes | 126 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Other, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.05 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11601829 |  | 11601829 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.93% | 37.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 86 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.12 | N/A | xxx |  |  | xxx | 1 |
| 12476036 |  | 12476036 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.82% | 38.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14469567 |  | 14469567 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.32% | 32.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12822612 |  | 12822612 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.18% | 45.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 154 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14201976 |  | 14201976 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.75% | 38.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 114 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17389943 |  | 17389943 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.078 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16647572 |  | 16647572 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.04% | 34.04% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 420 | Yes | 420 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] \|\| Co Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18789673 |  | 18789673 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.01% | 41.01% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 3 | 3 | FNMA 1005 | No | 0 |  | N/A | Borrower - N/A - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.88 | N/A | xxx |  |  | xxx | 1 |
| 18436638 |  | 18436638 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.59% | 44.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 Only | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.67 | N/A | xxx |  |  | xxx | 1 |
| 12868130 |  | 12868130 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.032 | 1.032 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx | xxx |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 68.06 | N/A | xxx |  |  | xxx | 1 |
| 10209194 |  | 10209194 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.494 | 1.494 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13580545 |  | 13580545 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.46% | 24.46% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.79 | N/A | xxx | xxx | xxx | xxx | 3 |
| 11618070 |  | 11618070 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.75% | 41.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 104 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18478608 |  | 18478608 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.89% | 43.89% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 132 | 32 | FNMA 1005 | Yes | 263 | 13 | Work Number | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17180281 |  | 17180281 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.13% | 29.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14338111 |  | 14338111 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.91% | 26.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18546680 |  | 18546680 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.65% | 39.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 66.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13946222 |  | 13946222 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.81% | 40.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10620312 |  | 10620312 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.76% | 36.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10497178 |  | 10497178 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Annually | 0.00% | 40.72% | 40.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 67 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13985343 |  | 13985343 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.589 | 1.589 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.27 | N/A | xxx | xxx | xxx | xxx | 3 |
| 10073782 |  | 10073782 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 41.45% | 41.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.74 | Yes | xxx | xxx | xxx | xxx | 1 |
| 14809367 |  | 14809367 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.57% | 48.57% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16890779 |  | 16890779 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.70% | 42.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 64 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 86.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16657397 |  | 16657397 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.86% | 49.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16136891 |  | 16136891 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.24% | 48.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17204191 |  | 17204191 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 |  | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.026 | 1.026 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 37.06 | N/A | xxx |  |  | xxx | 1 |
| 13116968 |  | 13116968 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.477 | 1.52 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15509140 |  | 15509140 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.59% | 42.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12308938 |  | 12308938 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.37% | 42.37% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17346282 |  | 17346282 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.66% | 32.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16162325 |  | 16162325 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.60% | 41.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16375911 |  | 16375911 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.09% | 33.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | Tax Preparer |  |  |  | Yes | 45 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11076272 |  | 11076272 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.01% | 46.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.41 | N/A | xxx |  |  | xxx | 1 |
| 17082425 |  | 17082425 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.86% | 31.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13076653 |  | 13076653 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.25% | 40.25% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 216 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12377049 |  | 12377049 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.62% | 28.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11227821 |  | 11227821 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.75% | 22.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 35.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19425755 |  | 19425755 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19455609 |  | 19455609 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.04% | 27.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10199416 |  | 10199416 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.20% | 38.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 219 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19539968 |  | 19539968 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.89% | 37.89% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.27 | Yes | xxx | xxx | xxx | xxx | 1 |
| 12112085 |  | 12112085 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.94% | 46.94% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 213 | 33 | Work Number | Yes | 102 | 33 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 78.29 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19941341 |  | 19941341 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.39% | 44.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 57.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11337430 |  | 11337430 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 41.31% | 41.31% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.68 | N/A | xxx |  |  | xxx | 1 |
| 12664785 |  | 12664785 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.32% | 45.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16677901 |  | 16677901 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.91% | 15.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 80.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 82 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17644253 |  | 17644253 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.92% | 30.92% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 107 | 33 | Work Number | Yes | 1 | 1 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12812347 |  | 12812347 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.69% | 33.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12059718 |  | 12059718 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.78% | 42.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 52 | 32 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10599192 |  | 10599192 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.68% | 49.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 192 | 192 | FNMA 1005 | Yes | 142 | 142 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Missing |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13979854 |  | 13979854 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.079 | 1.079 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 48.17 | N/A | xxx |  |  | xxx | 1 |
| 14271789 |  | 14271789 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.93% | 36.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 93.42% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17670865 |  | 17670865 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 70 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10206499 |  | 10206499 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.52% | 43.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 324 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | .00 | .00 | xxx | xxx | No | 66.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14124010 |  | 14124010 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.99% | 43.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15369322 |  | 15369322 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.244 | 1.24 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19713855 |  | 19713855 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.86% | 45.86% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.49 | N/A | xxx | xxx | xxx | xxx | 2 |
| 10089895 |  | 10089895 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.36% | 44.36% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Military and Government Assistance, SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10126635 |  | 10126635 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.36% | 44.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 12376.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2023","2024"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18839855 |  | 18839855 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.55% | 40.55% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 47 | 33 | Work Number | No | 0 |  | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 14271555 |  | 14271555 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.23% | 36.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19609521 |  | 19609521 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.91% | 46.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 37.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16464551 |  | 16464551 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.75% | 38.75% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 186 | Yes | 216 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12746634 |  | 12746634 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.71% | 31.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | Yes | 79 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17958162 |  | 17958162 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.26% | 40.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 150 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12287475 |  | 12287475 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 |  | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.028 | 1.07 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.55 | N/A | xxx |  |  | xxx | 1 |
| 17755321 |  | 17755321 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.30% | 49.30% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15616369 |  | 15616369 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.84% | 46.84% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - Award Letter Verified \|\| Co Borrower - SSI and Disability, Retirement - Award Letter Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 67.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16725045 |  | 16725045 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.50% | 49.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 6 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.17 | N/A | xxx |  |  | xxx | 1 |
| 15528773 |  | 15528773 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.92% | 46.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14407685 |  | 14407685 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.28% | 48.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SESCorp, SESCorp, SESCorp, SESCorp, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 39.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17004562 |  | 17004562 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.041 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14260524 |  | 14260524 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.47% | 32.47% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 267 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.21 | N/A | xxx |  |  | xxx | 2 |
| 18742035 |  | 18742035 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.08% | 24.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.68 | N/A | xxx |  |  | xxx | 1 |
| 12591551 |  | 12591551 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.342 | 1.232 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | .00 | 0 | No | 56.21 | N/A | xxx | xxx | xxx | xxx | 2 |
| 14214854 |  | 14214854 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.60% | 48.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End - Fixed | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.59 | N/A | xxx |  |  | xxx | 1 |
| 17608417 |  | 17608417 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.19% | 36.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.1 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15269852 |  | 15269852 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.02 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.71 | N/A | xxx |  |  | xxx | 1 |
| 18663120 |  | 18663120 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.39% | 34.39% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 140 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14865087 |  | 14865087 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | Annually | 0.00% | 43.89% | 43.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 50.57 | N/A | xxx |  |  | xxx | 1 |
| 11081332 |  | 11081332 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.83% | 42.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 206 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11617194 |  | 11617194 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.82% | 14.82% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 24 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12676885 |  | 12676885 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.33% | 40.33% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | 0 | No | 79.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17446523 |  | 17446523 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.85% | 40.85% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 154 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13482734 |  | 13482734 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.60% | 44.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 263 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17016016 |  | 17016016 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.19% | 11.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 289 | Yes | 289 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15864163 |  | 15864163 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.83% | 42.83% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 72.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18370838 |  | 18370838 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.08% | 44.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10156503 |  | 10156503 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.10% | 39.10% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13655746 |  | 13655746 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 15.44% | 15.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15438916 |  | 15438916 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.07% | 48.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11948257 |  | 11948257 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.55% | 47.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 309 | 309 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.75 | N/A | xxx |  |  | xxx | 1 |
| 17667481 |  | 17667481 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.11% | 44.11% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 62.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16383560 |  | 16383560 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 80.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19264336 |  | 19264336 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 0.961 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.9 | N/A | xxx | xxx | xxx | xxx | 2 |
| 11099550 |  | 11099550 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.88% | 48.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14703369 |  | 14703369 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 6.17% | 6.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 234 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14501212 |  | 14501212 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.68% | 45.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.81 | N/A | xxx |  |  | xxx | 1 |
| 12003074 |  | 12003074 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.04 | 1.04 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 65.05 | N/A | xxx | xxx | xxx | xxx | 2 |
| 17312831 |  | 17312831 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.82 | N/A | xxx |  |  | xxx | 2 |
| 13041154 |  | 13041154 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.68% | 41.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13909376 |  | 13909376 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.93% | 39.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 88.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19893875 |  | 19893875 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.07% | 42.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12114455 |  | 12114455 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.04% | 39.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 85.44% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18372594 |  | 18372594 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.19% | 41.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 291 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10026468 |  | 10026468 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.09% | 18.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 46 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11289117 |  | 11289117 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.59% | 35.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14763973 |  | 14763973 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.23% | 42.23% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 91 | 31 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11701177 |  | 11701177 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.68% | 25.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17117611 |  | 17117611 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.56% | 20.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 103 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15381660 |  | 15381660 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.42% | 43.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12799668 |  | 12799668 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.29% | 42.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 309 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 54.49 | N/A | xxx |  |  | xxx | 1 |
| 16429184 |  | 16429184 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.46% | 44.46% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 202 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16141442 |  | 16141442 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.62% | 38.62% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 129 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12629383 |  | 12629383 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.48% | 42.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 313 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18763445 |  | 18763445 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.03% | 42.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | Yes | 327 | 33 | Work Number | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14242059 |  | 14242059 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.94% | 22.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19892312 |  | 19892312 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.56% | 43.56% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 73 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.11 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16413237 |  | 16413237 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | $0.00 | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.91% | 41.91% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other, SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.43 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16658767 |  | 16658767 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.94% | 42.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.35 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11789867 |  | 11789867 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.48% | 36.48% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 119 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 74.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16265337 |  | 16265337 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.01% | 47.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16985575 |  | 16985575 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.51% | 31.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10206558 |  | 10206558 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.93% | 48.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 10 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10530969 |  | 10530969 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.044 | 1.044 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 71.52 | N/A | xxx | xxx | xxx | xxx | 2 |
| 10356464 |  | 10356464 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.96% | 49.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 141 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17293609 |  | 17293609 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.25% | 40.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 84 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.17% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Asset Depletion - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14505846 |  | 14505846 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.54% | 44.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.41 | N/A | xxx | xxx | xxx | xxx | 3 |
| 11414817 |  | 11414817 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.80% | 44.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.74 | N/A | xxx |  |  | xxx | 1 |
| 17646150 |  | 17646150 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.34% | 37.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17017764 |  | 17017764 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.22% | 37.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14271535 |  | 14271535 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.98% | 35.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.58 | N/A | xxx |  |  | xxx | 1 |
| 15769232 |  | 15769232 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 2.44 | 2.8 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.68 | N/A | xxx | xxx | xxx | xxx | 2 |
| 10515883 |  | 10515883 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.02% | 30.02% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 50.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - N/A | Borrower - ["2025","2024"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19391979 |  | 19391979 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 60.13 | N/A | xxx |  |  | xxx | 1 |
| 16780268 |  | 16780268 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.039 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 79.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16561157 |  | 16561157 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.24% | 36.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 26 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19198113 |  | 19198113 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.22% | 36.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 14 | 34 | Work Number | Yes | 60 | 33 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 89.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18309907 |  | 18309907 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.41% | 43.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Award Letter Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10037780 |  | 10037780 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.61% | 21.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13565170 |  | 13565170 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.08% | 30.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.96 | N/A | xxx | xxx | xxx | xxx | 2 |
| 18676675 |  | 18676675 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 35.53% | 35.53% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 66.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18436524 |  | 18436524 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.89% | 42.89% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 6 | 6 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18212934 |  | 18212934 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.70% | 49.70% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Retirement, Retirement - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - Other, Retirement, Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18241368 |  | 18241368 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.92% | 40.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 130 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17420331 |  | 17420331 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.38% | 36.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13243654 |  | 13243654 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.19% | 41.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 53.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11712987 |  | 11712987 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.35% | 49.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 52.16 | N/A | xxx |  |  | xxx | 1 |
| 12930526 |  | 12930526 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.59% | 27.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.73 | N/A | xxx |  |  | xxx | 1 |
| 11997978 |  | 11997978 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.51% | 41.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16356064 |  | 16356064 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.96% | 44.96% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 125 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12492568 |  | 12492568 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.70% | 35.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 128 | 44 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19949081 |  | 19949081 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.35% | 43.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 264 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11590811 |  | 11590811 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.31% | 49.31% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 112 | 33 | Work Number | No | 0 |  | N/A | Borrower - Retirement, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13795569 |  | 13795569 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.08% | 43.08% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - N/A | Borrower - ["2025","2024"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12095748 |  | 12095748 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.37% | 14.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12014214 |  | 12014214 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.61% | 47.61% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 41.36% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Retirement, SESoleProprietor, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19430346 |  | 19430346 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.122 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17483228 |  | 17483228 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.05% | 44.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 71.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15333407 |  | 15333407 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.76% | 31.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 137 | 137 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 32.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15056338 |  | 15056338 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.32% | 35.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.82 | Yes | xxx | xxx | xxx | xxx | 1 |
| 10116759 |  | 10116759 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.73% | 36.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18872004 |  | 18872004 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.43% | 39.43% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 63.54% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19526355 |  | 19526355 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.54% | 14.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 64.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12138458 |  | 12138458 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.93% | 38.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17462519 |  | 17462519 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.80% | 43.80% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.99 | N/A | xxx |  |  | xxx | 1 |
| 12999822 |  | 12999822 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.05% | 48.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11790385 |  | 11790385 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.815 | 1.815 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 69.61 | N/A | xxx | xxx | xxx | xxx | 3 |
| 17547170 |  | 17547170 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.44% | 48.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17868495 |  | 17868495 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.35% | 39.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 46 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13062191 |  | 13062191 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.35% | 48.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13194520 |  | 13194520 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.41% | 44.41% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 277 | 277 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 10135261 |  | 10135261 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.25% | 38.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 17 | 17 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 84.4 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13469462 |  | 13469462 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.40% | 30.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 Only | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Other, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11994887 |  | 11994887 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.37% | 49.37% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 84 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 7.83% | 100.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | Yes | 104 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, SESoleProprietor, Wage, Asset Depletion, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16359956 |  | 16359956 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.54% | 23.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15235348 |  | 15235348 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.09% | 36.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 31 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 61.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14332086 |  | 14332086 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.52% | 11.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.45 | N/A | xxx |  |  | xxx | 1 |
| 14358578 |  | 14358578 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.90% | 22.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 158 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19086818 |  | 19086818 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.47% | 29.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15267390 |  | 15267390 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.40% | 31.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 193 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19149732 |  | 19149732 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.40% | 49.40% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Borrower Prepared | 10 | Borrower | Borrower Prepared | Borrower | 10 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] \|\| Co Borrower - SESoleProprietor, Child Support - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 64.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12930463 |  | 12930463 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.88% | 39.88% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 266 | 33 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19944325 |  | 19944325 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.59% | 47.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 231 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 83.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13808572 |  | 13808572 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.19% | 38.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 36.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14509914 |  | 14509914 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.93% | 31.93% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Other | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - SESoleProprietor - Written VOE Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 79.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16215524 |  | 16215524 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.06% | 36.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | Yes |  | No | No | 84 | No | Yes | Yes | 4 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 233 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Retirement, Other, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | Identification Card | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18612724 |  | 18612724 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.83% | 27.83% | No | No |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 82.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11059613 |  | 11059613 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.35% | 49.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | .00 | 0 | No | 59.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11740021 |  | 11740021 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.40% | 42.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 83 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 73.34 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15353350 |  | 15353350 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.17% | 7.17% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15893012 |  | 15893012 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.92% | 40.92% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11959407 |  | 11959407 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified - ["2024","2025"] | Borrower - 1 YR Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19534594 |  | 19534594 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.68% | 39.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 22 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18848352 |  | 18848352 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.35% | 41.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18625433 |  | 18625433 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.02% | 45.02% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.97 | N/A | xxx | xxx | xxx | xxx | 4 |
| 17933711 |  | 17933711 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.01% | 47.01% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 169 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 29.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13454450 |  | 13454450 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.75% | 26.75% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.73 | N/A | xxx |  |  | xxx | 1 |
| 10210340 |  | 10210340 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.22% | 36.22% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 36.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15964691 |  | 15964691 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.95% | 38.95% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - Award Letter Verified - ["2024","2025","2023"] | Borrower - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.05 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19326858 |  | 19326858 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 0 | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.67% | 43.67% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 6 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Child Support, Asset Depletion - 2 YRS Executed 4506T Verified, Separation Agreement Verified, Personal Bank Statements Verified - ["2023","2024"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 67.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17809574 |  | 17809574 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.32% | 34.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 98 | 34 | FNMA 1005 | Yes | 38 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.71 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11037329 |  | 11037329 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.13% | 38.13% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 114 | 35 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.11 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11713730 |  | 11713730 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.28% | 23.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12253331 |  | 12253331 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.81% | 34.81% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 75 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 58.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19403603 |  | 19403603 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.74% | 34.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 206 | 206 | Work Number | Yes | 40 | 40 | Work Number | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17466467 |  | 17466467 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.53% | 49.53% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, SSI and Disability, Retirement, Other - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11424644 |  | 11424644 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 9.21% | 9.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 78.27 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18421679 |  | 18421679 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.32% | 44.32% | No |  | 4 |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13702178 |  | 13702178 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.43% | 42.43% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 1 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 22 | 22 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13378963 |  | 13378963 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.37% | 43.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 206 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 77.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17030380 |  | 17030380 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.18% | 48.18% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 100 | No | 0 | NA | 0 | 0 | N/A | Yes | 48 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.88 | N/A | xxx |  |  | xxx | 2 |
| 16618494 |  | 16618494 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.011 | 1.01 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 49.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16574056 |  | 16574056 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.017 | 1.1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12487818 |  | 12487818 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.444 | 1.44 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.54 | N/A | xxx | xxx | xxx | xxx | 2 |
| 13602989 |  | 13602989 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.37% | 38.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 79.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18156141 |  | 18156141 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.02% | 37.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 55.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 11991294 |  | 11991294 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.013 |  |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.93 | N/A | xxx | xxx | xxx | xxx | 4 |
| 16122362 |  | 16122362 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.36% | 48.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 3 | 3 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Wage, Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 68.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18054030 |  | 18054030 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.70% | 41.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19805131 |  | 19805131 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.18% | 35.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13734886 |  | 13734886 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.17% | 30.17% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 74.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14098600 |  | 14098600 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.96% | 45.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 16518655 |  | 16518655 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.38% | 39.38% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 189 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 62.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18870010 |  | 18870010 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.01% | 38.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.87 | N/A | xxx |  |  | xxx | 1 |
| 17712796 |  | 17712796 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.078 | 1.078 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 67.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13503798 |  | 13503798 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.48% | 31.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13783216 |  | 13783216 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.32% | 49.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65.85 | N/A | xxx |  |  | xxx | 1 |
| 14876837 |  | 14876837 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.212 | 1.198 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | .00 | 0 | No | 66.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15535804 |  | 15535804 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.434 | 1.479 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | .00 | 0 | No | 56.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13605267 |  | 13605267 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | Monthly | 0.00% | 9.09% | 9.09% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 10 | Tax Preparer | N/A | N/A | 0 | Yes | 210 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, SEPartnership, SEPartnership, SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] \|\| Co Borrower - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 47.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19353042 |  | 19353042 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.79% | 42.79% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - Award Letter Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.62 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15822512 |  | 15822512 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.97% | 35.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 116 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 42.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15927318 |  | 15927318 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.15% | 36.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 46.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 12421341 |  | 12421341 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.15% | 42.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 57 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17626163 |  | 17626163 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.10% | 9.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 79.39 | N/A | xxx |  |  | xxx | 1 |
| 14767086 |  | 14767086 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.523 | 1.522 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 79.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 13707458 |  | 13707458 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.18% | 31.18% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 18370072 |  | 18370072 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.616 | 1.422 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | .00 | .00 | xxx | xxx | No | 69.76 | N/A | xxx | xxx | xxx | xxx | 3 |
| 16764319 |  | 16764319 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.81% | 38.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 15469283 |  | 15469283 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.27% | 49.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.71 | N/A | xxx |  |  | xxx | 1 |
| 11802651 |  | 11802651 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.14% | 42.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 28.75% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 47 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 84.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 17072825 |  | 17072825 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.30% | 16.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 60.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 19270496 |  | 19270496 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.25% | 41.25% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A \|\| Co Borrower - SECorporation, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 76.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 14371500 |  | 14371500 | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | xxx |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.04% | 46.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 40.55 | N/A | xxx | xxx | xxx | xxx | 1 |

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## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 13472994 | 13472994 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18200084 | 18200084 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 17511304 | 17511304 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13594727 | 13594727 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17286639 | 17286639 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14810254 | 14810254 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16624514 | 16624514 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18019385 | 18019385 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17507936 | 17507936 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16185878 | 16185878 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13717157 | 13717157 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11015266 | 11015266 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16475771 | 16475771 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 17742699 | 17742699 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14603631 | 14603631 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18457852 | 18457852 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17705233 | 17705233 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11824585 | 11824585 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11885335 | 11885335 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13298236 | 13298236 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13653861 | 13653861 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14579865 | 14579865 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10985250 | 10985250 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14075622 | 14075622 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19127558 | 19127558 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14780942 | 14780942 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13128705 | 13128705 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12230572 | 12230572 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10920872 | 10920872 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16570566 | 16570566 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17716735 | 17716735 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 14027176 | 14027176 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18437390 | 18437390 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12107145 | 12107145 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | xxx | Yes | Employed | Employed | No | No | No |  |
| 13559406 | 13559406 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11584602 | 11584602 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13460539 | 13460539 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18688487 | 18688487 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15089033 | 15089033 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11101438 | 11101438 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14532995 | 14532995 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17174189 | 17174189 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11920823 | 11920823 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19548692 | 19548692 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17542561 | 17542561 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11139114 | 11139114 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19293600 | 19293600 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15910143 | 15910143 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15008082 | 15008082 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16360233 | 16360233 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16731878 | 16731878 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15117043 | 15117043 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10503727 | 10503727 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11394260 | 11394260 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15172984 | 15172984 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 17904542 | 17904542 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13941428 | 13941428 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15199188 | 15199188 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14161088 | 14161088 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 18439505 | 18439505 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19151372 | 19151372 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11341272 | 11341272 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 16867938 | 16867938 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19434123 | 19434123 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 11590098 | 11590098 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 16411087 | 16411087 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18722915 | 18722915 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 12225750 | 12225750 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19126126 | 19126126 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17104910 | 17104910 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14395918 | 14395918 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17423810 | 17423810 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 19741117 | 19741117 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10511234 | 10511234 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13106110 | 13106110 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12431616 | 12431616 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11739064 | 11739064 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 18041685 | 18041685 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16405786 | 16405786 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14013979 | 14013979 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19398023 | 19398023 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11625605 | 11625605 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | No | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17339088 | 17339088 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10599214 | 10599214 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10444342 | 10444342 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 12156996 | 12156996 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 10987210 | 10987210 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12958669 | 12958669 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19989544 | 19989544 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18320936 | 18320936 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13783417 | 13783417 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15686310 | 15686310 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12741526 | 12741526 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13971314 | 13971314 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 13065850 | 13065850 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19687975 | 19687975 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12376157 | 12376157 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15115050 | 15115050 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 11615817 | 11615817 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 19241360 | 19241360 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10880019 | 10880019 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18958850 | 18958850 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 19996505 | 19996505 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19750890 | 19750890 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19734575 | 19734575 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx |  |  |  | No |  | Yes | Present |
| 19961414 | 19961414 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13347963 | 13347963 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14672615 | 14672615 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15055992 | 15055992 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11259844 | 11259844 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17261267 | 17261267 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19941402 | 19941402 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 14897941 | 14897941 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14721491 | 14721491 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14002923 | 14002923 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12610071 | 12610071 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 13070084 | 13070084 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14140380 | 14140380 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17610521 | 17610521 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10203815 | 10203815 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13887773 | 13887773 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17036030 | 17036030 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17574354 | 17574354 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17082736 | 17082736 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13746075 | 13746075 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16906720 | 16906720 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13614159 | 13614159 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16122082 | 16122082 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16017647 | 16017647 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18564334 | 18564334 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11521131 | 11521131 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11089483 | 11089483 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18328147 | 18328147 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12210192 | 12210192 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18951676 | 18951676 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13353580 | 13353580 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10502205 | 10502205 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10220030 | 10220030 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 12050840 | 12050840 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15464575 | 15464575 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11064826 | 11064826 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18375487 | 18375487 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18214352 | 18214352 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 10419180 | 10419180 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12793095 | 12793095 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12753013 | 12753013 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16805695 | 16805695 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13796217 | 13796217 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19987861 | 19987861 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 10178749 | 10178749 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12986186 | 12986186 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16677477 | 16677477 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10846055 | 10846055 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19830397 | 19830397 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11058290 | 11058290 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 18909028 | 18909028 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18594782 | 18594782 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17269620 | 17269620 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10076975 | 10076975 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 10863066 | 10863066 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18232158 | 18232158 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13998801 | 13998801 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18884594 | 18884594 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10268598 | 10268598 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 16909556 | 16909556 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 18033255 | 18033255 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19462969 | 19462969 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13682110 | 13682110 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 12094205 | 12094205 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15238706 | 15238706 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19932912 | 19932912 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 15317954 | 15317954 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18432627 | 18432627 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14506748 | 14506748 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15772480 | 15772480 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 14633203 | 14633203 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14058578 | 14058578 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14787343 | 14787343 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19416839 | 19416839 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11276911 | 11276911 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10767409 | 10767409 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13048286 | 13048286 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17551402 | 17551402 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 10266795 | 10266795 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10686146 | 10686146 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10939916 | 10939916 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17377228 | 17377228 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18252340 | 18252340 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19607598 | 19607598 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 11421907 | 11421907 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13928595 | 13928595 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18027744 | 18027744 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10130685 | 10130685 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11747779 | 11747779 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10340012 | 10340012 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13854637 | 13854637 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16884440 | 16884440 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19884830 | 19884830 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11255623 | 11255623 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 13193116 | 13193116 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 13601552 | 13601552 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14105164 | 14105164 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12772709 | 12772709 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12546509 | 12546509 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15550686 | 15550686 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10555447 | 10555447 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19610896 | 19610896 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17445707 | 17445707 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16021164 | 16021164 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 16186634 | 16186634 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18020653 | 18020653 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15505918 | 15505918 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18502315 | 18502315 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10247408 | 10247408 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19169406 | 19169406 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12293337 | 12293337 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11941624 | 11941624 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 13199675 | 13199675 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12337930 | 12337930 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 16193343 | 16193343 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17614784 | 17614784 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11762526 | 11762526 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16727095 | 16727095 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18617822 | 18617822 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11811691 | 11811691 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18259477 | 18259477 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 12415478 | 12415478 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17930896 | 17930896 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13219455 | 13219455 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14710808 | 14710808 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14954327 | 14954327 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19213365 | 19213365 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16887576 | 16887576 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12545857 | 12545857 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 19351412 | 19351412 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 11154631 | 11154631 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13329377 | 13329377 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19776377 | 19776377 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19345565 | 19345565 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 14646795 | 14646795 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10241345 | 10241345 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 19007554 | 19007554 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13710862 | 13710862 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16817913 | 16817913 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16086720 | 16086720 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19914194 | 19914194 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17926040 | 17926040 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17497999 | 17497999 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12176032 | 12176032 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15988752 | 15988752 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10832539 | 10832539 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16894050 | 16894050 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16609123 | 16609123 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 13619588 | 13619588 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16710327 | 16710327 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 15586126 | 15586126 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 12940228 | 12940228 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11078492 | 11078492 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 19058153 | 19058153 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17100550 | 17100550 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19858743 | 19858743 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16029171 | 16029171 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10545139 | 10545139 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10097955 | 10097955 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17433563 | 17433563 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11350495 | 11350495 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 17983270 | 17983270 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19633058 | 19633058 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16323087 | 16323087 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15922554 | 15922554 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11543530 | 11543530 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18450380 | 18450380 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 17265927 | 17265927 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 11431500 | 11431500 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15684663 | 15684663 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 19074782 | 19074782 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 13431106 | 13431106 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12489954 | 12489954 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 16439537 | 16439537 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13805135 | 13805135 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 19584039 | 19584039 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17783485 | 17783485 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17097491 | 17097491 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13585846 | 13585846 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 19346563 | 19346563 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18994734 | 18994734 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18447471 | 18447471 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15917016 | 15917016 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10942811 | 10942811 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11267284 | 11267284 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17052337 | 17052337 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14688818 | 14688818 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11183697 | 11183697 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 18129236 | 18129236 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16556935 | 16556935 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14604227 | 14604227 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11935128 | 11935128 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 10163044 | 10163044 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17904981 | 17904981 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15875165 | 15875165 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15974145 | 15974145 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 12758819 | 12758819 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12142117 | 12142117 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12917791 | 12917791 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 11920336 | 11920336 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 18858667 | 18858667 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12397521 | 12397521 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15693174 | 15693174 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17054685 | 17054685 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10858031 | 10858031 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11717087 | 11717087 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19414691 | 19414691 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14389437 | 14389437 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15297866 | 15297866 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16313797 | 16313797 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14777120 | 14777120 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11001565 | 11001565 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 13979055 | 13979055 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19401570 | 19401570 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13967615 | 13967615 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17265481 | 17265481 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Retired | Retired | No | No | No |  |
| 12154767 | 12154767 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 11019500 | 11019500 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11558394 | 11558394 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13697763 | 13697763 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11801002 | 11801002 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12016175 | 12016175 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12060407 | 12060407 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17320811 | 17320811 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16918510 | 16918510 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11207314 | 11207314 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16278806 | 16278806 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12417013 | 12417013 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11829971 | 11829971 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14986525 | 14986525 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15488171 | 15488171 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11485335 | 11485335 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13988860 | 13988860 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 18612768 | 18612768 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16133474 | 16133474 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15318509 | 15318509 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 15096960 | 15096960 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16615824 | 16615824 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17275532 | 17275532 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15155267 | 15155267 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19941928 | 19941928 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11563614 | 11563614 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17459377 | 17459377 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13560344 | 13560344 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10244590 | 10244590 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17318117 | 17318117 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15502264 | 15502264 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12279935 | 12279935 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11497321 | 11497321 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16221722 | 16221722 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17351738 | 17351738 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17879195 | 17879195 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11471473 | 11471473 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18895406 | 18895406 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10903111 | 10903111 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16768240 | 16768240 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19598497 | 19598497 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18177868 | 18177868 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 15134677 | 15134677 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12294125 | 12294125 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17232342 | 17232342 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 12638301 | 12638301 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12564874 | 12564874 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14615158 | 14615158 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18039218 | 18039218 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13283366 | 13283366 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15255642 | 15255642 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 13970165 | 13970165 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13725468 | 13725468 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16389919 | 16389919 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 10741766 | 10741766 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 14532193 | 14532193 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 11601829 | 11601829 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12476036 | 12476036 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 14469567 | 14469567 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12822612 | 12822612 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14201976 | 14201976 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17389943 | 17389943 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 16647572 | 16647572 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18789673 | 18789673 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 18436638 | 18436638 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12868130 | 12868130 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10209194 | 10209194 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13580545 | 13580545 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 11618070 | 11618070 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18478608 | 18478608 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17180281 | 17180281 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14338111 | 14338111 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18546680 | 18546680 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13946222 | 13946222 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10620312 | 10620312 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10497178 | 10497178 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | Yes | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13985343 | 13985343 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10073782 | 10073782 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14809367 | 14809367 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16890779 | 16890779 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16657397 | 16657397 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16136891 | 16136891 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17204191 | 17204191 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13116968 | 13116968 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 15509140 | 15509140 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12308938 | 12308938 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 17346282 | 17346282 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 16162325 | 16162325 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16375911 | 16375911 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 11076272 | 11076272 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17082425 | 17082425 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 13076653 | 13076653 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12377049 | 12377049 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11227821 | 11227821 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19425755 | 19425755 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19455609 | 19455609 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10199416 | 10199416 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19539968 | 19539968 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 12112085 | 12112085 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 19941341 | 19941341 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11337430 | 11337430 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 12664785 | 12664785 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16677901 | 16677901 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17644253 | 17644253 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 12812347 | 12812347 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12059718 | 12059718 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10599192 | 10599192 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13979854 | 13979854 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 14271789 | 14271789 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17670865 | 17670865 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10206499 | 10206499 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14124010 | 14124010 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15369322 | 15369322 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 19713855 | 19713855 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10089895 | 10089895 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 10126635 | 10126635 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18839855 | 18839855 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 14271555 | 14271555 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19609521 | 19609521 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16464551 | 16464551 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12746634 | 12746634 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17958162 | 17958162 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12287475 | 12287475 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17755321 | 17755321 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15616369 | 15616369 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 16725045 | 16725045 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15528773 | 15528773 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14407685 | 14407685 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17004562 | 17004562 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 14260524 | 14260524 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18742035 | 18742035 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12591551 | 12591551 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 14214854 | 14214854 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17608417 | 17608417 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15269852 | 15269852 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 18663120 | 18663120 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 14865087 | 14865087 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11081332 | 11081332 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11617194 | 11617194 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 12676885 | 12676885 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17446523 | 17446523 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 13482734 | 13482734 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17016016 | 17016016 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 15864163 | 15864163 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18370838 | 18370838 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10156503 | 10156503 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13655746 | 13655746 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15438916 | 15438916 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11948257 | 11948257 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17667481 | 17667481 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16383560 | 16383560 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19264336 | 19264336 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 11099550 | 11099550 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14703369 | 14703369 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14501212 | 14501212 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12003074 | 12003074 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17312831 | 17312831 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13041154 | 13041154 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13909376 | 13909376 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 19893875 | 19893875 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12114455 | 12114455 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18372594 | 18372594 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | No | xxx | N/A | Employed |  | No |  | No |  |
| 10026468 | 10026468 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11289117 | 11289117 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14763973 | 14763973 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11701177 | 11701177 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17117611 | 17117611 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 15381660 | 15381660 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12799668 | 12799668 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16429184 | 16429184 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 16141442 | 16141442 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12629383 | 12629383 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18763445 | 18763445 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14242059 | 14242059 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19892312 | 19892312 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16413237 | 16413237 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 16658767 | 16658767 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11789867 | 11789867 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 16265337 | 16265337 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16985575 | 16985575 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 10206558 | 10206558 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10530969 | 10530969 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 10356464 | 10356464 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17293609 | 17293609 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14505846 | 14505846 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11414817 | 11414817 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17646150 | 17646150 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17017764 | 17017764 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14271535 | 14271535 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15769232 | 15769232 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 10515883 | 10515883 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19391979 | 19391979 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 16780268 | 16780268 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 16561157 | 16561157 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19198113 | 19198113 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18309907 | 18309907 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10037780 | 10037780 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13565170 | 13565170 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18676675 | 18676675 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18436524 | 18436524 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18212934 | 18212934 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 18241368 | 18241368 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17420331 | 17420331 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13243654 | 13243654 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11712987 | 11712987 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12930526 | 12930526 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11997978 | 11997978 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16356064 | 16356064 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12492568 | 12492568 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19949081 | 19949081 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| 11590811 | 11590811 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 13795569 | 13795569 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 12095748 | 12095748 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12014214 | 12014214 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 19430346 | 19430346 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17483228 | 17483228 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15333407 | 15333407 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15056338 | 15056338 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 10116759 | 10116759 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18872004 | 18872004 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19526355 | 19526355 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12138458 | 12138458 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17462519 | 17462519 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12999822 | 12999822 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11790385 | 11790385 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 17547170 | 17547170 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17868495 | 17868495 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13062191 | 13062191 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13194520 | 13194520 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 10135261 | 10135261 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13469462 | 13469462 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11994887 | 11994887 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16359956 | 16359956 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15235348 | 15235348 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14332086 | 14332086 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14358578 | 14358578 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19086818 | 19086818 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15267390 | 15267390 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19149732 | 19149732 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 12930463 | 12930463 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19944325 | 19944325 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13808572 | 13808572 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14509914 | 14509914 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 16215524 | 16215524 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18612724 | 18612724 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11059613 | 11059613 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11740021 | 11740021 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15353350 | 15353350 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15893012 | 15893012 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 11959407 | 11959407 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 19534594 | 19534594 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18848352 | 18848352 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18625433 | 18625433 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 17933711 | 17933711 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 13454450 | 13454450 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 10210340 | 10210340 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 15964691 | 15964691 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 19326858 | 19326858 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 0 | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 17809574 | 17809574 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11037329 | 11037329 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 11713730 | 11713730 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12253331 | 12253331 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19403603 | 19403603 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 17466467 | 17466467 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 11424644 | 11424644 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18421679 | 18421679 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13702178 | 13702178 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 13378963 | 13378963 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17030380 | 17030380 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | Yes | No | No | No | No | Yes | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 16618494 | 16618494 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 16574056 | 16574056 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 12487818 | 12487818 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13602989 | 13602989 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18156141 | 18156141 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 11991294 | 11991294 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 16122362 | 16122362 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 18054030 | 18054030 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19805131 | 19805131 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13734886 | 13734886 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14098600 | 14098600 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 16518655 | 16518655 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 18870010 | 18870010 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17712796 | 17712796 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13503798 | 13503798 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 13783216 | 13783216 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 14876837 | 14876837 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No | No | Yes | Present |
| 15535804 | 15535804 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| 13605267 | 13605267 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 19353042 | 19353042 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 15822512 | 15822512 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15927318 | 15927318 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 12421341 | 12421341 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17626163 | 17626163 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 14767086 | 14767086 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 13707458 | 13707458 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 18370072 | 18370072 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| 16764319 | 16764319 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 15469283 | 15469283 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 11802651 | 11802651 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 17072825 | 17072825 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 19270496 | 19270496 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 14371500 | 14371500 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 11558394 |  | 11558394 | Amount of Other Lien | xxx | 0.00 |
| 13697763 |  | 13697763 | Amount of Other Lien | xxx | 0.00 |
| 15502264 |  | 15502264 | Amount of Other Lien | xxx | 0.00 |
| 11471473 |  | 11471473 | Amount of Other Lien | xxx | 0.00 |
| 14865087 |  | 14865087 | Amount of Other Lien | xxx | 0.00 |
| 15353350 |  | 15353350 | Amount of Other Lien | xxx | 0.00 |
| 13594727 |  | 13594727 | B1 Country Name | United States | xxx |
| 13941428 |  | 13941428 | B1 Country Name | United States | xxx |
| 17423810 |  | 17423810 | B1 Country Name | United States | xxx |
| 17082736 |  | 17082736 | B1 Country Name | United States | xxx |
| 17551402 |  | 17551402 | B1 Country Name | United States | xxx |
| 10555447 |  | 10555447 | B1 Country Name | United States | xxx |
| 17445707 |  | 17445707 | B1 Country Name | United States | xxx |
| 10241345 |  | 10241345 | B1 Country Name | United States | xxx |
| 12176032 |  | 12176032 | B1 Country Name | United States | xxx |
| 17879195 |  | 17879195 | B1 Country Name | xxx | xxx |
| 18789673 |  | 18789673 | B1 Country Name | United States | xxx |
| 11076272 |  | 11076272 | B1 Country Name | United States | xxx |
| 17082425 |  | 17082425 | B1 Country Name | United States | xxx |
| 11337430 |  | 11337430 | B1 Country Name | United States | xxx |
| 14763973 |  | 14763973 | B1 Country Name | United States | xxx |
| 11701177 |  | 11701177 | B1 Country Name | United States | xxx |
| 18676675 |  | 18676675 | B1 Country Name | United States | xxx |
| 13194520 |  | 13194520 | B1 Country Name | United States | xxx |
| 10135261 |  | 10135261 | B1 Country Name | United States | xxx |
| 11424644 |  | 11424644 | B1 Country Name | US | xxx |
| 13941428 |  | 13941428 | Borrower 1 Employer 1 Years in Line of Work | 6 | 72 |
| 17082736 |  | 17082736 | Borrower 1 Employer 1 Years in Line of Work | 1.67 | 11 |
| 10555447 |  | 10555447 | Borrower 1 Employer 1 Years in Line of Work | 5.14 | 0 |
| 17445707 |  | 17445707 | Borrower 1 Employer 1 Years in Line of Work | 7.02 | 84 |
| 12176032 |  | 12176032 | Borrower 1 Employer 1 Years in Line of Work | 15 | 180 |
| 17879195 |  | 17879195 | Borrower 1 Employer 1 Years in Line of Work | 3.99 | 24 |
| 18789673 |  | 18789673 | Borrower 1 Employer 1 Years in Line of Work | 3.73 | 43 |
| 11076272 |  | 11076272 | Borrower 1 Employer 1 Years in Line of Work | 2.81 | 60 |
| 17082425 |  | 17082425 | Borrower 1 Employer 1 Years in Line of Work | 7.33 | 75 |
| 11701177 |  | 11701177 | Borrower 1 Employer 1 Years in Line of Work | 30 | 360 |
| 18676675 |  | 18676675 | Borrower 1 Employer 1 Years in Line of Work | 20.66 | 240 |
| 10135261 |  | 10135261 | Borrower 1 Employer 1 Years in Line of Work | 1.46 | 303 |
| 11424644 |  | 11424644 | Borrower 1 Employer 1 Years in Line of Work | 7.33 | 86 |
| 18789673 |  | 18789673 | Borrower 1 Self-Employment Flag | Unknown | Yes |
| 17462519 |  | 17462519 | Borrower 1 Self-Employment Flag | No | Yes |
| 10135261 |  | 10135261 | Borrower 1 Self-Employment Flag | Yes | No |
| 18457852 |  | 18457852 | Borrower 1 SSN | xxx | xxx |
| 18789673 |  | 18789673 | Borrower 2 Citizen | US Citizen | Permanent Resident Alien |
| 13941428 |  | 13941428 | Borrower 2 Employer 1 Years in Line of Work | 6 | 72 |
| 10555447 |  | 10555447 | Borrower 2 Employer 1 Years in Line of Work | 3 | 36 |
| 12176032 |  | 12176032 | Borrower 2 Employer 1 Years in Line of Work | 12 | 144 |
| 18789673 |  | 18789673 | Borrower 2 Employer 1 Years in Line of Work | 0.25 | 0 |
| 11701177 |  | 11701177 | Borrower 2 Employer 1 Years in Line of Work | 25 | 300 |
| 18676675 |  | 18676675 | Borrower 2 Employer 1 Years in Line of Work | 15.23 | 60 |
| 13194520 |  | 13194520 | Borrower 2 Employer 1 Years in Line of Work | 3.13 | 0 |
| 13941428 |  | 13941428 | Borrower 2 Self-Employment Flag | No | Yes |
| 13194520 |  | 13194520 | Borrower 2 Self-Employment Flag | Yes | No |
| 19607598 |  | 19607598 | Business Purpose Flag | Yes | No |
| 19914194 |  | 19914194 | Business Purpose Flag | Yes | No |
| 14532193 |  | 14532193 | Business Purpose Flag | Yes | No |
| 13580545 |  | 13580545 | Business Purpose Flag | Yes | No |
| 14260524 |  | 14260524 | Business Purpose Flag | Yes | No |
| 18241368 |  | 18241368 | Business Purpose Flag | Yes | No |
| 17030380 |  | 17030380 | Business Purpose Flag | No | Yes |
| 12746634 |  | 12746634 | First Payment Date | xxx | xxx |
| 15910143 |  | 15910143 | Interest Rate | xxx | xxx |
| 13194520 |  | 13194520 | Interest Rate | xxx | xxx |
| 13116968 |  | 13116968 | Maturity Date | xxx | xxx |
| 17082736 |  | 17082736 | Number of Mortgaged Properties | 2 | 1 |
| 19398023 |  | 19398023 | Occupancy | Second Home | Primary Residence |
| 11615817 |  | 11615817 | Occupancy | Second Home | Primary Residence |
| 10903111 |  | 10903111 | Occupancy | Second Home | Primary Residence |
| 16647572 |  | 16647572 | Occupancy | Second Home | Primary Residence |
| 11789867 |  | 11789867 | Occupancy | Second Home | Primary Residence |
| 15353350 |  | 15353350 | Occupancy | Second Home | Primary Residence |
| 13979854 |  | 13979854 | Prepayment Penalty | Yes | No |
| 18421679 |  | 18421679 | Primary Appraised Property Value | xxx | xxx |
| 11558394 |  | 11558394 | Property Attachment Type | Detached | PUD |
| 15502264 |  | 15502264 | Property Attachment Type | Detached | PUD |
| 14865087 |  | 14865087 | Property Attachment Type | Attached | PUD |
| 16624514 |  | 16624514 | Property Type | PUD | Detached |
| 14603631 |  | 14603631 | Property Type | Two to Four Unit | Single Family Detached |
| 14579865 |  | 14579865 | Property Type | Two to Four Unit | Single Family Detached |
| 11584602 |  | 11584602 | Property Type | Two to Four Unit | Single Family Detached |
| 13460539 |  | 13460539 | Property Type | Two to Four Unit | Single Family Detached |
| 15008082 |  | 15008082 | Property Type | Two to Four Unit | Single Family Detached |
| 11394260 |  | 11394260 | Property Type | Two to Four Unit | Single Family Detached |
| 19434123 |  | 19434123 | Property Type | Two to Four Unit | Single Family Detached |
| 18722915 |  | 18722915 | Property Type | Two to Four Unit | Single Family Detached |
| 13783417 |  | 13783417 | Property Type | PUD | Single Family Detached |
| 14672615 |  | 14672615 | Property Type | Two to Four Unit | Single Family Detached |
| 17610521 |  | 17610521 | Property Type | Two to Four Unit | Single Family Detached |
| 17574354 |  | 17574354 | Property Type | Two to Four Unit | Attached |
| 15464575 |  | 15464575 | Property Type | Two to Four Unit | Single Family Detached |
| 10076975 |  | 10076975 | Property Type | Two to Four Unit | Single Family Detached |
| 19607598 |  | 19607598 | Property Type | Two to Four Unit | Single Family Detached |
| 13928595 |  | 13928595 | Property Type | Two to Four Unit | Single Family Detached |
| 16887576 |  | 16887576 | Property Type | Two to Four Unit | Single Family Detached |
| 19345565 |  | 19345565 | Property Type | Two to Four Unit | Single Family Detached |
| 19914194 |  | 19914194 | Property Type | PUD | Single Family Detached |
| 19858743 |  | 19858743 | Property Type | Two to Four Unit | Single Family Detached |
| 17983270 |  | 17983270 | Property Type | Two to Four Unit | Single Family Detached |
| 15917016 |  | 15917016 | Property Type | Two to Four Unit | Single Family Detached |
| 15693174 |  | 15693174 | Property Type | Two to Four Unit | Single Family Detached |
| 14986525 |  | 14986525 | Property Type | Single Family Attached | Single Family Detached |
| 17275532 |  | 17275532 | Property Type | Two to Four Unit | Attached |
| 16221722 |  | 16221722 | Property Type | Two to Four Unit | Single Family Detached |
| 17351738 |  | 17351738 | Property Type | Two to Four Unit | Single Family Detached |
| 13580545 |  | 13580545 | Property Type | Two to Four Unit | Single Family Detached |
| 14338111 |  | 14338111 | Property Type | PUD | Single Family Detached |
| 13946222 |  | 13946222 | Property Type | Single Family Detached | PUD |
| 13116968 |  | 13116968 | Property Type | Single Family Detached | Detached |
| 14260524 |  | 14260524 | Property Type | Two to Four Unit | Single Family Detached |
| 12591551 |  | 12591551 | Property Type | Two to Four Unit | Single Family Detached |
| 19264336 |  | 19264336 | Property Type | Two to Four Unit | Single Family Detached |
| 12003074 |  | 12003074 | Property Type | Two to Four Unit | Single Family Detached |
| 17312831 |  | 17312831 | Property Type | Two to Four Unit | Single Family Detached |
| 17117611 |  | 17117611 | Property Type | PUD | Single Family Detached |
| 10530969 |  | 10530969 | Property Type | Two to Four Unit | Single Family Detached |
| 14505846 |  | 14505846 | Property Type | Two to Four Unit | Single Family Detached |
| 15769232 |  | 15769232 | Property Type | Two to Four Unit | Single Family Detached |
| 18309907 |  | 18309907 | Property Type | de minimus PUD | Single Family Detached |
| 12138458 |  | 12138458 | Property Type | PUD | Single Family Detached |
| 11790385 |  | 11790385 | Property Type | Two to Four Unit | Single Family Detached |
| 15893012 |  | 15893012 | Property Type | Single Family Detached | PUD |
| 17030380 |  | 17030380 | Property Type | Two to Four Unit | Single Family Detached |
| 11991294 |  | 11991294 | Property Type | Two to Four Unit | Single Family Detached |
| 18370072 |  | 18370072 | Property Type | Two to Four Unit | Single Family Detached |
| 11337430 |  | 11337430 | Property Value | xxx | xxx |
| 10206499 |  | 10206499 | Property Value | xxx | xxx |
| 11558394 |  | 11558394 | Qualifying CLTV | 74.95 | 13.74 |
| 13697763 |  | 13697763 | Qualifying CLTV | 74.58 | 39.49 |
| 15502264 |  | 15502264 | Qualifying CLTV | 71.31 | 29.41 |
| 11471473 |  | 11471473 | Qualifying CLTV | 79.25 | 26.36 |
| 14338111 |  | 14338111 | Qualifying CLTV | 77.41 | 26.22 |
| 14865087 |  | 14865087 | Qualifying CLTV | 50.57 | 11.22 |
| 18763445 |  | 18763445 | Qualifying CLTV | 58.65 | 61.63 |
| 15235348 |  | 15235348 | Qualifying CLTV | 61.81 | 66.93 |
| 15353350 |  | 15353350 | Qualifying CLTV | 57.16 | 25.71 |
| 16475771 |  | 16475771 | Qualifying FICO | xxx | xxx |
| 19127558 |  | 19127558 | Qualifying FICO | xxx | xxx |
| 11920823 |  | 11920823 | Qualifying FICO | xxx | xxx |
| 10503727 |  | 10503727 | Qualifying FICO | xxx | xxx |
| 14161088 |  | 14161088 | Qualifying FICO | xxx | xxx |
| 11739064 |  | 11739064 | Qualifying FICO | xxx | xxx |
| 19750890 |  | 19750890 | Qualifying FICO | xxx | xxx |
| 11259844 |  | 11259844 | Qualifying FICO | xxx | xxx |
| 19941402 |  | 19941402 | Qualifying FICO | xxx | xxx |
| 18214352 |  | 18214352 | Qualifying FICO | xxx | xxx |
| 10419180 |  | 10419180 | Qualifying FICO | xxx | xxx |
| 19932912 |  | 19932912 | Qualifying FICO | xxx | xxx |
| 18432627 |  | 18432627 | Qualifying FICO | xxx | xxx |
| 15772480 |  | 15772480 | Qualifying FICO | xxx | xxx |
| 19610896 |  | 19610896 | Qualifying FICO | xxx | xxx |
| 16186634 |  | 16186634 | Qualifying FICO | xxx | xxx |
| 18020653 |  | 18020653 | Qualifying FICO | xxx | xxx |
| 16609123 |  | 16609123 | Qualifying FICO | xxx | xxx |
| 16710327 |  | 16710327 | Qualifying FICO | xxx | xxx |
| 17265481 |  | 17265481 | Qualifying FICO | xxx | xxx |
| 12308938 |  | 12308938 | Qualifying FICO | xxx | xxx |
| 17644253 |  | 17644253 | Qualifying FICO | xxx | xxx |
| 12812347 |  | 12812347 | Qualifying FICO | xxx | xxx |
| 15616369 |  | 15616369 | Qualifying FICO | xxx | xxx |
| 11617194 |  | 11617194 | Qualifying FICO | xxx | xxx |
| 17016016 |  | 17016016 | Qualifying FICO | xxx | xxx |
| 12492568 |  | 12492568 | Qualifying FICO | xxx | xxx |
| 12014214 |  | 12014214 | Qualifying FICO | xxx | xxx |
| 12930463 |  | 12930463 | Qualifying FICO | xxx | xxx |
| 13454450 |  | 13454450 | Qualifying FICO | xxx | xxx |
| 17809574 |  | 17809574 | Qualifying FICO | xxx | xxx |
| 11037329 |  | 11037329 | Qualifying FICO | xxx | xxx |
| 17511304 |  | 17511304 | Qualifying Total Debt Income Ratio | 21.2 | 6.82 |
| 16185878 |  | 16185878 | Qualifying Total Debt Income Ratio | 35.82 | 26.42 |
| 13717157 |  | 13717157 | Qualifying Total Debt Income Ratio | 39.86 | 17.44 |
| 16475771 |  | 16475771 | Qualifying Total Debt Income Ratio | 42.52 | 29.84 |
| 17742699 |  | 17742699 | Qualifying Total Debt Income Ratio | 48.82 | 12.17 |
| 14075622 |  | 14075622 | Qualifying Total Debt Income Ratio | 38.72 | 33.39 |
| 19127558 |  | 19127558 | Qualifying Total Debt Income Ratio | 31.02 | 6.44 |
| 10920872 |  | 10920872 | Qualifying Total Debt Income Ratio | 41.24 | 23.76 |
| 16570566 |  | 16570566 | Qualifying Total Debt Income Ratio | 42.46 | 22.17 |
| 17716735 |  | 17716735 | Qualifying Total Debt Income Ratio | 43.56 | 36.93 |
| 14027176 |  | 14027176 | Qualifying Total Debt Income Ratio | 41.04 | 36.37 |
| 18437390 |  | 18437390 | Qualifying Total Debt Income Ratio | 35.99 | 18.96 |
| 12107145 |  | 12107145 | Qualifying Total Debt Income Ratio | 42.95 | 13.25 |
| 11101438 |  | 11101438 | Qualifying Total Debt Income Ratio | 31.02 | 14.54 |
| 14532995 |  | 14532995 | Qualifying Total Debt Income Ratio | 33.32 | 16.92 |
| 11920823 |  | 11920823 | Qualifying Total Debt Income Ratio | 40.52 | 33.46 |
| 15910143 |  | 15910143 | Qualifying Total Debt Income Ratio | 48.57 | 28.67 |
| 16731878 |  | 16731878 | Qualifying Total Debt Income Ratio | 42.84 | 25.85 |
| 15117043 |  | 15117043 | Qualifying Total Debt Income Ratio | 31.01 | 18.32 |
| 10503727 |  | 10503727 | Qualifying Total Debt Income Ratio | 32.09 | 23.11 |
| 11394260 |  | 11394260 | Qualifying Total Debt Income Ratio | 38.09 | 23.96 |
| 15172984 |  | 15172984 | Qualifying Total Debt Income Ratio | 41.2 | 26.7 |
| 12431616 |  | 12431616 | Qualifying Total Debt Income Ratio | 35.69 | 16.04 |
| 11739064 |  | 11739064 | Qualifying Total Debt Income Ratio | 43.74 | 21.71 |
| 18041685 |  | 18041685 | Qualifying Total Debt Income Ratio | 38.4 | 29.54 |
| 16405786 |  | 16405786 | Qualifying Total Debt Income Ratio | 40.11 | 31.68 |
| 19398023 |  | 19398023 | Qualifying Total Debt Income Ratio | 43.48 | 21.56 |
| 11625605 |  | 11625605 | Qualifying Total Debt Income Ratio | 42.71 | 12.62 |
| 10599214 |  | 10599214 | Qualifying Total Debt Income Ratio | 42.41 | 16.7 |
| 10444342 |  | 10444342 | Qualifying Total Debt Income Ratio | 35.76 | 33 |
| 18320936 |  | 18320936 | Qualifying Total Debt Income Ratio | 40.14 | 26.81 |
| 13783417 |  | 13783417 | Qualifying Total Debt Income Ratio | 42.22 | 28.15 |
| 12741526 |  | 12741526 | Qualifying Total Debt Income Ratio | 42.19 | 29.97 |
| 13971314 |  | 13971314 | Qualifying Total Debt Income Ratio | 42.99 | 25.84 |
| 13065850 |  | 13065850 | Qualifying Total Debt Income Ratio | 33.72 | 15.66 |
| 12376157 |  | 12376157 | Qualifying Total Debt Income Ratio | 44.97 | 35.79 |
| 15115050 |  | 15115050 | Qualifying Total Debt Income Ratio | 26.26 | 17.39 |
| 11615817 |  | 11615817 | Qualifying Total Debt Income Ratio | 41.97 | 14.97 |
| 19241360 |  | 19241360 | Qualifying Total Debt Income Ratio | 41.83 | 18.06 |
| 15055992 |  | 15055992 | Qualifying Total Debt Income Ratio | 37.74 | 24.53 |
| 11259844 |  | 11259844 | Qualifying Total Debt Income Ratio | 35.42 | 17.89 |
| 17261267 |  | 17261267 | Qualifying Total Debt Income Ratio | 39.72 | 29.61 |
| 19941402 |  | 19941402 | Qualifying Total Debt Income Ratio | 44.13 | 24.41 |
| 14897941 |  | 14897941 | Qualifying Total Debt Income Ratio | 41.04 | 27.93 |
| 14721491 |  | 14721491 | Qualifying Total Debt Income Ratio | 44.94 | 29.21 |
| 14002923 |  | 14002923 | Qualifying Total Debt Income Ratio | 32.71 | 27.62 |
| 13746075 |  | 13746075 | Qualifying Total Debt Income Ratio | 34.64 | 19.04 |
| 10220030 |  | 10220030 | Qualifying Total Debt Income Ratio | 36.97 | 34.12 |
| 18214352 |  | 18214352 | Qualifying Total Debt Income Ratio | 33.4 | 18.59 |
| 10419180 |  | 10419180 | Qualifying Total Debt Income Ratio | 42.19 | 23.08 |
| 12793095 |  | 12793095 | Qualifying Total Debt Income Ratio | 39.23 | 22.26 |
| 12753013 |  | 12753013 | Qualifying Total Debt Income Ratio | 46.98 | 24.75 |
| 16805695 |  | 16805695 | Qualifying Total Debt Income Ratio | 44.79 | 28.34 |
| 13796217 |  | 13796217 | Qualifying Total Debt Income Ratio | 44.89 | 30.83 |
| 19987861 |  | 19987861 | Qualifying Total Debt Income Ratio | 35.82 | 17.57 |
| 10178749 |  | 10178749 | Qualifying Total Debt Income Ratio | 44 | 36.91 |
| 12986186 |  | 12986186 | Qualifying Total Debt Income Ratio | 34.46 | 26.7 |
| 16677477 |  | 16677477 | Qualifying Total Debt Income Ratio | 39.15 | 26.54 |
| 19830397 |  | 19830397 | Qualifying Total Debt Income Ratio | 41.54 | 23.47 |
| 12094205 |  | 12094205 | Qualifying Total Debt Income Ratio | 41.82 | 32.49 |
| 15238706 |  | 15238706 | Qualifying Total Debt Income Ratio | 39.97 | 22.54 |
| 19932912 |  | 19932912 | Qualifying Total Debt Income Ratio | 40.95 | 27.57 |
| 15317954 |  | 15317954 | Qualifying Total Debt Income Ratio | 45.15 | 27.06 |
| 15772480 |  | 15772480 | Qualifying Total Debt Income Ratio | 32.62 | 17.48 |
| 14633203 |  | 14633203 | Qualifying Total Debt Income Ratio | 48.34 | 45.254 |
| 11421907 |  | 11421907 | Qualifying Total Debt Income Ratio | 23.68 | 28.24 |
| 18027744 |  | 18027744 | Qualifying Total Debt Income Ratio | 37.28 | 29.16 |
| 10130685 |  | 10130685 | Qualifying Total Debt Income Ratio | 24.51 | 14.83 |
| 11747779 |  | 11747779 | Qualifying Total Debt Income Ratio | 43.85 | 13.76 |
| 10340012 |  | 10340012 | Qualifying Total Debt Income Ratio | 44.95 | 22.14 |
| 13854637 |  | 13854637 | Qualifying Total Debt Income Ratio | 27.7 | 17.85 |
| 16884440 |  | 16884440 | Qualifying Total Debt Income Ratio | 43.24 | 34.76 |
| 19884830 |  | 19884830 | Qualifying Total Debt Income Ratio | 40.44 | 31.33 |
| 11255623 |  | 11255623 | Qualifying Total Debt Income Ratio | 39.28 | 32.38 |
| 13193116 |  | 13193116 | Qualifying Total Debt Income Ratio | 42.98 | 15.1 |
| 16186634 |  | 16186634 | Qualifying Total Debt Income Ratio | 46.79 | 15.14 |
| 18020653 |  | 18020653 | Qualifying Total Debt Income Ratio | 32.55 | 12.79 |
| 15505918 |  | 15505918 | Qualifying Total Debt Income Ratio | 44.96 | 28.86 |
| 18502315 |  | 18502315 | Qualifying Total Debt Income Ratio | 42.26 | 24.59 |
| 17614784 |  | 17614784 | Qualifying Total Debt Income Ratio | 37.7 | 34.58 |
| 19213365 |  | 19213365 | Qualifying Total Debt Income Ratio | 35.09 | 17.78 |
| 13329377 |  | 13329377 | Qualifying Total Debt Income Ratio | 47.04 | 42.184 |
| 19007554 |  | 19007554 | Qualifying Total Debt Income Ratio | 35.03 | 23.41 |
| 13710862 |  | 13710862 | Qualifying Total Debt Income Ratio | 28.24 | 23.45 |
| 16817913 |  | 16817913 | Qualifying Total Debt Income Ratio | 42.6 | 26.26 |
| 10832539 |  | 10832539 | Qualifying Total Debt Income Ratio | 39.94 | 23.61 |
| 16609123 |  | 16609123 | Qualifying Total Debt Income Ratio | 40.14 | 12.5 |
| 13619588 |  | 13619588 | Qualifying Total Debt Income Ratio | 44.56 | 34.47 |
| 16710327 |  | 16710327 | Qualifying Total Debt Income Ratio | 18.23 | 10.62 |
| 19858743 |  | 19858743 | Qualifying Total Debt Income Ratio | 19.68 | 25.3 |
| 10545139 |  | 10545139 | Qualifying Total Debt Income Ratio | 23.4 | 10.18 |
| 11543530 |  | 11543530 | Qualifying Total Debt Income Ratio | 37.26 | 29.56 |
| 18450380 |  | 18450380 | Qualifying Total Debt Income Ratio | 38.99 | 28 |
| 17265927 |  | 17265927 | Qualifying Total Debt Income Ratio | 24.57 | 19 |
| 11431500 |  | 11431500 | Qualifying Total Debt Income Ratio | 44.97 | 20.53 |
| 15684663 |  | 15684663 | Qualifying Total Debt Income Ratio | 44.75 | 16.92 |
| 19074782 |  | 19074782 | Qualifying Total Debt Income Ratio | 44.04 | 40.4 |
| 13431106 |  | 13431106 | Qualifying Total Debt Income Ratio | 15.16 | 18.72 |
| 10163044 |  | 10163044 | Qualifying Total Debt Income Ratio | 44.68 | 24.07 |
| 17904981 |  | 17904981 | Qualifying Total Debt Income Ratio | 41.75 | 28.8 |
| 15875165 |  | 15875165 | Qualifying Total Debt Income Ratio | 42.95 | 30.78 |
| 15974145 |  | 15974145 | Qualifying Total Debt Income Ratio | 37.59 | 22.64 |
| 12917791 |  | 12917791 | Qualifying Total Debt Income Ratio | 21.08 | 23.88 |
| 13979055 |  | 13979055 | Qualifying Total Debt Income Ratio | 26.76 | 21.03 |
| 19401570 |  | 19401570 | Qualifying Total Debt Income Ratio | 39.65 | 27.32 |
| 13967615 |  | 13967615 | Qualifying Total Debt Income Ratio | 29.81 | 18.71 |
| 12154767 |  | 12154767 | Qualifying Total Debt Income Ratio | 36.87 | 33.98 |
| 11019500 |  | 11019500 | Qualifying Total Debt Income Ratio | 37.91 | 25.86 |
| 11558394 |  | 11558394 | Qualifying Total Debt Income Ratio | 21.77 | 34.32 |
| 11829971 |  | 11829971 | Qualifying Total Debt Income Ratio | 44.97 | 32.7 |
| 14986525 |  | 14986525 | Qualifying Total Debt Income Ratio | 43.69 | 28.8 |
| 15488171 |  | 15488171 | Qualifying Total Debt Income Ratio | 42.5 | 23.98 |
| 11485335 |  | 11485335 | Qualifying Total Debt Income Ratio | 44.06 | 40.69 |
| 18612768 |  | 18612768 | Qualifying Total Debt Income Ratio | 28.49 | 17.55 |
| 16133474 |  | 16133474 | Qualifying Total Debt Income Ratio | 34.88 | 20.64 |
| 15318509 |  | 15318509 | Qualifying Total Debt Income Ratio | 45.61 | 20.02 |
| 15096960 |  | 15096960 | Qualifying Total Debt Income Ratio | 28.46 | 0 |
| 17351738 |  | 17351738 | Qualifying Total Debt Income Ratio | 7.37 | 4.67 |
| 18895406 |  | 18895406 | Qualifying Total Debt Income Ratio | 41.3 | 19.21 |
| 10903111 |  | 10903111 | Qualifying Total Debt Income Ratio | 42.34 | 21.3 |
| 16768240 |  | 16768240 | Qualifying Total Debt Income Ratio | 33.04 | 26.77 |
| 19598497 |  | 19598497 | Qualifying Total Debt Income Ratio | 40.64 | 23.23 |
| 18177868 |  | 18177868 | Qualifying Total Debt Income Ratio | 38.04 | 33.93 |
| 15134677 |  | 15134677 | Qualifying Total Debt Income Ratio | 38.56 | 24.09 |
| 12294125 |  | 12294125 | Qualifying Total Debt Income Ratio | 33.34 | 19.7 |
| 17232342 |  | 17232342 | Qualifying Total Debt Income Ratio | 39.86 | 19.24 |
| 13725468 |  | 13725468 | Qualifying Total Debt Income Ratio | 44.26 | 40.57 |
| 12476036 |  | 12476036 | Qualifying Total Debt Income Ratio | 38.82 | 26.93 |
| 14469567 |  | 14469567 | Qualifying Total Debt Income Ratio | 32.32 | 14.83 |
| 12822612 |  | 12822612 | Qualifying Total Debt Income Ratio | 45.18 | 42.6 |
| 14201976 |  | 14201976 | Qualifying Total Debt Income Ratio | 38.75 | 42.28 |
| 14338111 |  | 14338111 | Qualifying Total Debt Income Ratio | 26.91 | 16.52 |
| 18546680 |  | 18546680 | Qualifying Total Debt Income Ratio | 39.65 | 20.23 |
| 13946222 |  | 13946222 | Qualifying Total Debt Income Ratio | 40.81 | 25.24 |
| 10620312 |  | 10620312 | Qualifying Total Debt Income Ratio | 36.76 | 32.37 |
| 10497178 |  | 10497178 | Qualifying Total Debt Income Ratio | 40.72 | 26.3 |
| 12308938 |  | 12308938 | Qualifying Total Debt Income Ratio | 42.37 | 22.77 |
| 13076653 |  | 13076653 | Qualifying Total Debt Income Ratio | 40.25 | 25.44 |
| 12377049 |  | 12377049 | Qualifying Total Debt Income Ratio | 28.62 | 20.3 |
| 19455609 |  | 19455609 | Qualifying Total Debt Income Ratio | 27.04 | 15.73 |
| 10199416 |  | 10199416 | Qualifying Total Debt Income Ratio | 38.2 | 27.91 |
| 19941341 |  | 19941341 | Qualifying Total Debt Income Ratio | 44.39 | 48.412 |
| 17644253 |  | 17644253 | Qualifying Total Debt Income Ratio | 30.92 | 15.9 |
| 12812347 |  | 12812347 | Qualifying Total Debt Income Ratio | 33.69 | 17.48 |
| 19713855 |  | 19713855 | Qualifying Total Debt Income Ratio | 45.86 | 0 |
| 10089895 |  | 10089895 | Qualifying Total Debt Income Ratio | 44.36 | 39.2 |
| 10126635 |  | 10126635 | Qualifying Total Debt Income Ratio | 44.36 | 28.58 |
| 18839855 |  | 18839855 | Qualifying Total Debt Income Ratio | 40.55 | 29.52 |
| 16725045 |  | 16725045 | Qualifying Total Debt Income Ratio | 49.5 | 46.1 |
| 11081332 |  | 11081332 | Qualifying Total Debt Income Ratio | 42.83 | 32.83 |
| 11617194 |  | 11617194 | Qualifying Total Debt Income Ratio | 14.82 | 7.39 |
| 12676885 |  | 12676885 | Qualifying Total Debt Income Ratio | 40.33 | 1.36 |
| 17446523 |  | 17446523 | Qualifying Total Debt Income Ratio | 40.85 | 19.3 |
| 17016016 |  | 17016016 | Qualifying Total Debt Income Ratio | 11.19 | 7.54 |
| 15864163 |  | 15864163 | Qualifying Total Debt Income Ratio | 42.83 | 0 |
| 18370838 |  | 18370838 | Qualifying Total Debt Income Ratio | 44.08 | 19.39 |
| 10156503 |  | 10156503 | Qualifying Total Debt Income Ratio | 39.1 | 13.85 |
| 13041154 |  | 13041154 | Qualifying Total Debt Income Ratio | 41.68 | 33.5 |
| 19893875 |  | 19893875 | Qualifying Total Debt Income Ratio | 42.07 | 19.95 |
| 12114455 |  | 12114455 | Qualifying Total Debt Income Ratio | 39.04 | 28.18 |
| 18372594 |  | 18372594 | Qualifying Total Debt Income Ratio | 41.19 | 30.95 |
| 11289117 |  | 11289117 | Qualifying Total Debt Income Ratio | 35.59 | 38.71 |
| 16141442 |  | 16141442 | Qualifying Total Debt Income Ratio | 38.62 | 18.12 |
| 12629383 |  | 12629383 | Qualifying Total Debt Income Ratio | 42.48 | 31.29 |
| 18763445 |  | 18763445 | Qualifying Total Debt Income Ratio | 42.03 | 38.69 |
| 14242059 |  | 14242059 | Qualifying Total Debt Income Ratio | 22.94 | 18.99 |
| 19892312 |  | 19892312 | Qualifying Total Debt Income Ratio | 43.56 | 36.7 |
| 16413237 |  | 16413237 | Qualifying Total Debt Income Ratio | 41.91 | 30.14 |
| 16658767 |  | 16658767 | Qualifying Total Debt Income Ratio | 42.94 | 17.14 |
| 11712987 |  | 11712987 | Qualifying Total Debt Income Ratio | 49.35 | 43.19 |
| 16356064 |  | 16356064 | Qualifying Total Debt Income Ratio | 44.96 | 11.13 |
| 12492568 |  | 12492568 | Qualifying Total Debt Income Ratio | 35.7 | 20.44 |
| 17483228 |  | 17483228 | Qualifying Total Debt Income Ratio | 44.05 | 36.48 |
| 15333407 |  | 15333407 | Qualifying Total Debt Income Ratio | 31.76 | 26.86 |
| 15056338 |  | 15056338 | Qualifying Total Debt Income Ratio | 35.32 | 16.46 |
| 10116759 |  | 10116759 | Qualifying Total Debt Income Ratio | 36.73 | 24.38 |
| 18872004 |  | 18872004 | Qualifying Total Debt Income Ratio | 39.43 | 23.59 |
| 12138458 |  | 12138458 | Qualifying Total Debt Income Ratio | 38.93 | 41.44 |
| 15267390 |  | 15267390 | Qualifying Total Debt Income Ratio | 31.4 | 28.29 |
| 19149732 |  | 19149732 | Qualifying Total Debt Income Ratio | 49.4 | 44.17 |
| 12930463 |  | 12930463 | Qualifying Total Debt Income Ratio | 39.88 | 19.31 |
| 13808572 |  | 13808572 | Qualifying Total Debt Income Ratio | 38.19 | 41.43 |
| 18625433 |  | 18625433 | Qualifying Total Debt Income Ratio | 45.02 | 26.03 |
| 17933711 |  | 17933711 | Qualifying Total Debt Income Ratio | 47.01 | 37.27 |
| 13454450 |  | 13454450 | Qualifying Total Debt Income Ratio | 26.75 | 21.35 |
| 15964691 |  | 15964691 | Qualifying Total Debt Income Ratio | 38.95 | 24.76 |
| 19326858 |  | 19326858 | Qualifying Total Debt Income Ratio | 43.67 | 40.93 |
| 17809574 |  | 17809574 | Qualifying Total Debt Income Ratio | 34.32 | 12.61 |
| 11037329 |  | 11037329 | Qualifying Total Debt Income Ratio | 38.13 | 28.23 |
| 11713730 |  | 11713730 | Qualifying Total Debt Income Ratio | 23.28 | 19.01 |
| 12253331 |  | 12253331 | Qualifying Total Debt Income Ratio | 34.81 | 17.46 |
| 13702178 |  | 13702178 | Qualifying Total Debt Income Ratio | 42.43 | 35.03 |
| 13378963 |  | 13378963 | Qualifying Total Debt Income Ratio | 43.37 | 25.74 |
| 18054030 |  | 18054030 | Qualifying Total Debt Income Ratio | 41.7 | 36.15 |
| 19805131 |  | 19805131 | Qualifying Total Debt Income Ratio | 35.18 | 32.13 |
| 13605267 |  | 13605267 | Qualifying Total Debt Income Ratio | 9.09 | 6.12 |
| 15822512 |  | 15822512 | Qualifying Total Debt Income Ratio | 35.97 | 26.19 |
| 15927318 |  | 15927318 | Qualifying Total Debt Income Ratio | 36.15 | 29.03 |
| 17462519 |  | 17462519 | Qualifying Total Reserves Number of Months | 58.83 | 94.28 |
| 10497178 |  | 10497178 | Term | 180 | 360 |
| 14027176 |  | 14027176 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 12050840 |  | 12050840 | Verified Doc Type | 1YR Business P&L | Full Doc |
| 16710327 |  | 16710327 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 17265927 |  | 17265927 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 11601829 |  | 11601829 | Verified Doc Type | 12 Month Bank Statement | Full Doc |
| 14338111 |  | 14338111 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 13946222 |  | 13946222 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 19425755 |  | 19425755 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 14124010 |  | 14124010 | Verified Doc Type | 1YR Business P&L | Full Doc |
| 11617194 |  | 11617194 | Verified Doc Type | 24 Month Bank Statement | Full Documentation |
| 17016016 |  | 17016016 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 12114455 |  | 12114455 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 18872004 |  | 18872004 | Verified Doc Type | Full Documentation | Alternative |
| 10210340 |  | 10210340 | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 15822512 |  | 15822512 | Verified Doc Type | Written Verification of Employment | Full Documentation |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2**

![](ex992001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2026-CES1**

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

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 1

![](ex992001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 198 Loans (the "Loans") originated by a correspondent lender and acquired by Vista Point Mortgage, LLC or its affiliates (the "Client") for the VSTA 2026-CES1 transaction. The Loans referenced in this narrative report were reviewed between 07/2025 to 01/2026 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the Loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;15 | &nbsp;&nbsp;7.58% | &nbsp;&nbsp;$4301234.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;24 | &nbsp;&nbsp;12.12% | &nbsp;&nbsp;$7047370.00 |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.50% | &nbsp;&nbsp;$300000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;158 | &nbsp;&nbsp;79.80% | &nbsp;&nbsp;$43053461.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

The Review consisted of a population of 198 Loans, with an aggregate principal balance of $54,702,065.00.

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

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

**LOAN SAMPLING**

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

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 2

![](ex992001.jpg)

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

---

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

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;**Data Compare Fields** |
| &nbsp;&nbsp;&nbsp;All Other Payments |
| &nbsp;&nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 3

![](ex992001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;Borrower 1 Face-to-Face Interview |
| &nbsp;&nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Asian Indian |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Native Hawaiian |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;&nbsp;Borrower 1 Total Income |
| &nbsp;&nbsp;&nbsp;Borrower 1 Verified Citizenship Designation |
| &nbsp;&nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;&nbsp;Borrower 2 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 4

![](ex992001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;&nbsp;Borrower 2 Name of Employer 2 |
| &nbsp;&nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;&nbsp;Borrower 2Race American Indian or Alaska Native Desc |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Asian |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Asian Indian |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Japanese |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Korean |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Native Hawaiian |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - Native Hawaiian or Other Pacific Islander |
| &nbsp;&nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;&nbsp;Final Reviewed QM Status |
| &nbsp;&nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;&nbsp;Loan Origination Company |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 5

![](ex992001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;&nbsp;Property City |
| &nbsp;&nbsp;&nbsp;Property County |
| &nbsp;&nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;&nbsp;Property State |
| &nbsp;&nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;&nbsp;Qualifying Loan Amount |
| &nbsp;&nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;&nbsp;Term |
| &nbsp;&nbsp;&nbsp;Title Form Type |
| &nbsp;&nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;&nbsp;ULI |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 6

![](ex992001.jpg)

Underwriting Guideline Product Name <br> <u>Verified Doc Type</u> <br> <u>Vested Business Entity Name</u>

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 7

![](ex992001.jpg)

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in Loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

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● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

● **Debt Service Coverage Ratio (DSCR)** 

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

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**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

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– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

Confirmed compliance with the January 18, 2014, requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application,

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the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals was met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

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**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

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**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10%** <br> **Variance to OA or**<br> **Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -**<br> **10% of OA or Acceptable**<br> **UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

| | |
|:---|:---|
| **A** | The Loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |
| **B** | The Loan materially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets, and occupancy are supported and justifiable. The borrower's willingness and ability to repay the Loan is documented and reasonable. |

---

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**C** The Loan does not materially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets, or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the Loan were not documented or are unreasonable.

**D** There was not sufficient documentation to perform a review, or the credit file was not furnished.

**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

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**CLARIFII DUE DILIGENCE RESULTS** 

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

**Final Overall Loan Grade Results** 

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall Grade** | **Loan Count** | **% of Sample** |
| A | 159 | 80.30% |
| B | 39 | 19.70% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **198** | **100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Credit Grade Summary** | **Credit Grade Summary** | **Credit Grade Summary** |
| **Credit Grade** | **Loan Count** | **% of Sample** |
| A | 174 | 87.88% |
| B | 24 | 12.12% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **198** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Property Grade Summary** | **Property Grade Summary** | **Property Grade Summary** |
| **Property Grade** | **Loan Count** | **% of Sample** |
| A | 150 | 75.76% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| N/A | 48 | 24.24% |
| **Total** | **198** | **100.00%** |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 19

![](ex992001.jpg)

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | **Compliance Grade Summary** | **Compliance Grade Summary** |
| **Compliance Grade** | **Loan Count** | **% of Sample** |
| A | 182 | 91.92% |
| B | 16 | 8.08% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **198** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$54702065.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;155 | &nbsp;&nbsp;78.28% | &nbsp;&nbsp;$45034831.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.52% | &nbsp;&nbsp;$956887.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;40 | &nbsp;&nbsp;20.20% | &nbsp;&nbsp;$8710347.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;197 | &nbsp;&nbsp;99.49% | &nbsp;&nbsp;$53852065.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$850000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$54702065.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 20

![](ex992001.jpg)

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.01% | &nbsp;&nbsp;$185000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;187 | &nbsp;&nbsp;94.44% | &nbsp;&nbsp;$52896822.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.04% | &nbsp;&nbsp;$1305243.00 |
| &nbsp;&nbsp;120 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.51% | &nbsp;&nbsp;$315000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**198** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$54702065.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Fields** | &nbsp;&nbsp;**Loans With** <br> **Discrepancy** | &nbsp;&nbsp;**Total Times**<br> **Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;116 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;29 | &nbsp;&nbsp;50 | &nbsp;&nbsp;42.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;123 | &nbsp;&nbsp;90.24% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;104 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;123 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;72 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;70 | &nbsp;&nbsp;97.14% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;1 | &nbsp;&nbsp;93 | &nbsp;&nbsp;98.92% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;5 | &nbsp;&nbsp;65 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 21

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;1 | &nbsp;&nbsp;66 | &nbsp;&nbsp;98.48% |
| &nbsp;&nbsp;Borrower 1 Face-to-Face Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;172 | &nbsp;&nbsp;99.42% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;11 | &nbsp;&nbsp;48 | &nbsp;&nbsp;77.08% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;177 | &nbsp;&nbsp;99.44% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;67 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;9 | &nbsp;&nbsp;21 | &nbsp;&nbsp;57.14% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;53 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;34 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;48 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;67 | &nbsp;&nbsp;98.51% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;129 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;4 | &nbsp;&nbsp;70 | &nbsp;&nbsp;94.29% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 22

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;2 | &nbsp;&nbsp;15 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;Borrower 2 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2Race American Indianor Alaska Native Desc | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Asian | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Asian Indian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Japanese | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Korean | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - Native Hawaiian or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;11 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;2 | &nbsp;&nbsp;18 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;59 | &nbsp;&nbsp;94.92% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;11 | &nbsp;&nbsp;87 | &nbsp;&nbsp;87.36% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;101 | &nbsp;&nbsp;99.01% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;68 | &nbsp;&nbsp;98.53% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;133 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 23

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;179 | &nbsp;&nbsp;99.44% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;125 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;115 | &nbsp;&nbsp;92.17% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;3 | &nbsp;&nbsp;49 | &nbsp;&nbsp;93.88% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;87 | &nbsp;&nbsp;98.85% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;87 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;34 | &nbsp;&nbsp;95 | &nbsp;&nbsp;64.21% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;70 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;23 | &nbsp;&nbsp;48 | &nbsp;&nbsp;52.08% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;165 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;196 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;5 | &nbsp;&nbsp;34 | &nbsp;&nbsp;85.29% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;6 | &nbsp;&nbsp;108 | &nbsp;&nbsp;94.44% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;179 | &nbsp;&nbsp;99.44% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;1 | &nbsp;&nbsp;159 | &nbsp;&nbsp;99.37% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;182 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;126 | &nbsp;&nbsp;95.24% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;70 | &nbsp;&nbsp;98.57% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;179 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;8 | &nbsp;&nbsp;88 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;90 | &nbsp;&nbsp;97.78% |
| &nbsp;&nbsp;Qualifying Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;122 | &nbsp;&nbsp;97.54% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;104 | &nbsp;&nbsp;89.42% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;4 | &nbsp;&nbsp;13 | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;69 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 24

![](ex992001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;198 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;82 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Title Form Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;3 | &nbsp;&nbsp;34 | &nbsp;&nbsp;91.18% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;3 | &nbsp;&nbsp;117 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 25

![](ex992001.jpg)

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

VSTA 2026-CES1 Due Diligence Narrative Report – PagE \| 26

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 27961648 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 3057.5 | 12.595 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4890.61 | Yes | Employed |  | No |  | No |  |
| XXXX | 29397780 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 39724.51 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 24069393 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 21620 | 8.978 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28776.36 | Yes | Employed |  | No |  | No |  |
| XXXX | 28040783 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 21620 | 9.863 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 207868.87 | Yes | Employed |  | No |  | No |  |
| XXXX | 22764520 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7166.88 | 12.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15760.21 | N/A | Employed |  | No |  | No |  |
| XXXX | 24372135 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 18837.01 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 22700809 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10995 | 9.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16038.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 28384680 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4943.75 | 9.26 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8518.07 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 28965203 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4668.5 | 10.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6797.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 22623388 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9295 | 10.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23836.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 22477201 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2145 | 9.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4066.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 21906951 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6495 | 9.465 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 5001.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 27744760 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3795 | 9.541 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 12032.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 20667675 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2745 | 11.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31956.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 22073246 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2750 | 9.178 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9784.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 24125212 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6245 | 12.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 179084.32 | Yes | Employed |  | No |  | No |  |
| XXXX | 27129081 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 11495 | 10.454 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43656.7 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 22043072 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15385.5 | 9.837 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19097.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 23041550 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 17183.52 | 9.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20490.64 | N/A | Employed |  | No |  | No |  |
| XXXX | 25860156 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 82929.94 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 29162437 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30086.73 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 21400193 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | 18812.43 | N/A | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 28938911 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2495 | 8.625 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 3185.77 | N/A | Employed |  | No |  | No |  |
| XXXX | 23864608 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3249.22 | 10.04 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19703.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 22009944 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10620 | 9.665 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 20154.97 | Yes | Employed |  | No |  | No |  |
| XXXX | 27630532 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6507.5 | 11.71 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A | 75056.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 21419048 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2931 | 10.015 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6846.28 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 20060064 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6376.98 | 10.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25061.81 | Yes | Employed |  | No |  | No |  |
| XXXX | 28082574 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8282.5 | 11.412 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19980.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 27724758 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3100 | 11.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24534.29 | Yes | Employed |  | No |  | No |  |
| XXXX | 24302342 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5685.78 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 21295547 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 6080 | 10.542 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7874.07 | N/A | Employed |  | No |  | No |  |
| XXXX | 24801232 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13370 | 9.79 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37986.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 20537991 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9017.84 | 9.778 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22091.89 | Yes | Employed |  | No |  | No |  |
| XXXX | 29594325 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9745 | 8.18 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 40876.73 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 24160568 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14049 | 9.66 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16201.66 | N/A | Employed |  | No |  | No |  |
| XXXX | 24698184 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9307.5 | 9.189 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29403.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 24782772 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2500 | 8.823 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3128.03 | Yes | Employed |  | No |  | No |  |
| XXXX | 25916069 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 26090465 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6131.5 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 20578548 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3561 | 10.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27279.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 23735553 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8569.38 | 8.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20638.9 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 24916623 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4792 | 10.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9881.07 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 20222779 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3495 | 9.438 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 19058.33 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 20642986 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 10309 | 8.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 22977.6 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 29859603 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 9022.39 | 9.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7581.67 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 29048724 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | Yes | No | No | No | No | No | No | No | Yes | 4120.7 | 10.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24037.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 22716088 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10194 | 8.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 226484.44 | Yes | Employed |  | No |  | No |  |
| XXXX | 26215705 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 13865 | 10.492 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 31929.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 26495237 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 125456.89 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 23077134 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6945 | 9.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 75123.11 | Yes | Employed |  | No |  | No |  |
| XXXX | 28832830 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4626.2 | 10.154 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 20165.75 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 20819539 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4345 | 10.272 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 24603.38 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 26924472 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3063.13 | 12.264 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6150.31 | Yes | Employed |  | No |  | No |  |
| XXXX | 24400002 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1590 | 9.53 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5893.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 28965405 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6020 | 11.29 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22390.06 | Yes | Employed |  | No |  | No |  |
| XXXX | 21780037 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 14732.5 | 9.77 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 45400.85 | Yes | Employed |  | No |  | No |  |
| XXXX | 29530505 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11813.84 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 28894756 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 15869 | 10.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12199.64 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 29280649 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | No | 7054.5 | 10.718 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22614.96 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 22700028 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3895 | 10.253 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7740.3 | N/A | Employed |  | No |  | No |  |
| XXXX | 20454615 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 41989.97 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 25425904 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8499 | 9.506 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 286626.34 | N/A | Employed |  | No |  | No |  |
| XXXX | 26932120 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7505 | 10.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22862.62 | N/A | Employed |  | No |  | No |  |
| XXXX | 24520773 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5835 | 11.204 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 18666.6 | Yes | Employed |  | No |  | No |  |
| XXXX | 24048496 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3990 | 9.192 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3799.92 | N/A | Employed |  | No |  | No |  |
| XXXX | 23771959 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2150.7 | 12.843 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5932.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 25444366 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6340 | 9.221 | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | 9028.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 28010359 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8887.85 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 25797921 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5675 | 8.74 | Yes | N/A | N/A | N/A | N/A | Yes | N/A | Yes | Yes | Yes | 4522.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 23754481 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4617.28 | 12.782 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12757.76 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 21548089 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 57992.49 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 27132310 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4123 | 9.747 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4881.65 | N/A | Employed |  | No |  | No |  |
| XXXX | 26879244 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8499 | 9.961 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 51337.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 22605237 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2799 | 9.431 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12446.11 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 24209113 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4509.83 | 9.379 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6227.57 | Yes | Employed |  | No |  | No |  |
| XXXX | 22174752 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12300.59 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 20836701 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5661.13 | 9.749 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 30907.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 24611916 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3999 | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7415.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 24673268 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3074 | 9.335 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5978.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 28658030 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3938.8 | 12.242 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5845.66 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 21195814 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10558 | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30433.44 | N/A | Employed |  | No |  | No |  |
| XXXX | 22242470 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3351.25 | 10.726 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 12655.13 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 25135771 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14799 | 8.818 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 123938.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 20867729 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15995 | 8.536 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 288765.53 | N/A | Employed |  | No |  | No |  |
| XXXX | 29229402 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2195 | 10.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10287.86 | N/A | Employed |  | No |  | No |  |
| XXXX | 29263235 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3277.5 | 8.536 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7101.92 | N/A | Employed |  | No |  | No |  |
| XXXX | 24085294 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2575 | 8.801 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22720.13 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 26116263 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2964.25 | 9.132 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6155.33 | N/A | Retired |  | No |  | No |  |
| XXXX | 26087803 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2476.08 | 10.873 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3551.69 | Yes | Employed |  | No |  | No |  |
| XXXX | 22016459 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4607.33 | 10.151 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16763.19 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 28986126 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8470 | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10781.62 | N/A | Employed |  | No |  | No |  |
| XXXX | 23992298 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9245 | 9.167 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29616.59 | Yes | Employed |  | No |  | No |  |
| XXXX | 28776363 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8690 | 9.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12546.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 28768041 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2390 | 9.984 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | 8476.92 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 21912868 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5309.6 | 10.045 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 16301.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 28490246 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 129719.42 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 24440677 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 129499 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 28928232 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3107.5 | 9.399 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3408.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 26288497 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1995 | 8.29 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10503.68 | Yes | Employed |  | No |  | No |  |
| XXXX | 24522416 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3380 | 8.406 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18716 | Yes | Employed |  | No |  | No |  |
| XXXX | 24802291 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3038.75 | 10.121 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10176.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 26811750 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4704.25 | 12.231 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 17653.3 | Yes | Employed |  | No |  | No |  |
| XXXX | 29196067 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4249 | 8.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2634.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 20149883 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 13624 | 9.496 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18469.55 | N/A | Employed |  | No |  | No |  |
| XXXX | 27300834 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 13870 | 9.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16506.71 | Yes | Employed |  | No |  | No |  |
| XXXX | 27572405 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2938 | 11.604 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4415.17 | Yes | Employed |  | No |  | No |  |
| XXXX | 20084940 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6959.44 | 12.485 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11695.47 | N/A | Employed |  | No |  | No |  |
| XXXX | 29516312 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 10077.25 | 9.76 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13503.18 | Yes | Employed |  | No |  | No |  |
| XXXX | 21557217 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8995 | 9.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 27572.75 | Yes | Employed |  | No |  | No |  |
| XXXX | 21877090 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9895 | 10.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15766.08 | N/A | Employed |  | No |  | No |  |
| XXXX | 26886332 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8345 | 9.305 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13739.33 | N/A | Employed |  | No |  | No |  |
| XXXX | 28360090 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9201.49 | 9.146 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12400.72 | N/A | Employed |  | No |  | No |  |
| XXXX | 24978185 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 58392.21 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 25920256 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4935 | 11.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7114.43 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 23955362 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5495 | 8.87 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18548.72 | Yes | Employed |  | No |  | No |  |
| XXXX | 26812588 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 5989.82 | 10.093 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 6896.11 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 29214551 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5482.5 | 11.514 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6742.82 | N/A | Employed |  | No |  | No |  |
| XXXX | 29517620 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2000.25 | 10.369 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22691.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 20031844 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 18373.33 | 9.312 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21495.24 | N/A | Employed |  | No |  | No |  |
| XXXX | 22289745 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3474 | 11.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13490.56 | Yes | Employed |  | No |  | No |  |
| XXXX | 22946172 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7427.5 | 8.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 156313.22 | Yes | Employed |  | No |  | No |  |
| XXXX | 22805045 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4393.1 | 9.533 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 7138.85 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 22651160 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4907.5 | 12.185 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52332.71 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 25832287 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1856 | 7.981 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17655.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 27589153 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30932.59 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 22915108 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 30574.66 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 28613755 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3745 | 8.859 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6429.17 | N/A | Employed |  | No |  | No |  |
| XXXX | 27244168 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4523.92 | 10.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11966.73 | N/A | Employed |  | No |  | No |  |
| XXXX | 24176082 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 24197032 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 33167.51 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 23410376 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 870 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6257.82 | N/A | Employed |  | No |  | No |  |
| XXXX | 22091323 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 7.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8260.47 | N/A | Employed |  | No |  | No |  |
| XXXX | 24834634 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3995 | 9.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 135969.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 26369136 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3624 | 8.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4562.96 | N/A | Employed |  | No |  | No |  |
| XXXX | 21980657 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 7.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11222.76 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 29804466 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3285 | 8.602 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 25441.3 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 28928459 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 25826023 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 721543.2 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 27856714 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 725024.34 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 29856789 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 7.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 110826.46 | N/A | Employed |  | No |  | No |  |
| XXXX | 25994884 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 13934 | 8.632 | Yes | N/A | N/A | Yes | N/A | Yes | N/A | N/A | Yes | Yes | 15285.98 | N/A | Employed |  | No |  | No |  |
| XXXX | 24943334 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9779.38 | 9.697 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 33317.7 | N/A | Employed |  | No |  | No |  |
| XXXX | 29650949 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 24075819 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8063.39 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 23483073 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4049.25 | 11.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 140420.2 | N/A | Employed |  | No |  | No |  |
| XXXX | 21651173 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 8.897 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10666.8 | N/A | Employed |  | No |  | No |  |
| XXXX | 29094604 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15995 | 8.521 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27904.33 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 20157745 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | 5882.81 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 26246192 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7076.25 | 9.361 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 44189.58 | N/A | Employed |  | No |  | No |  |
| XXXX | 25982368 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2845 | 8.023 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6804.7 | N/A | Retired | Employed | No | No | No |  |
| XXXX | 24459165 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3985 | 8.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7227.1 | Yes | Employed |  | No |  | No |  |
| XXXX | 24263455 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1013.75 | 8.621 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 4089.46 | N/A | Employed |  | No |  | No |  |
| XXXX | 27471532 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 16695 | 8.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A | 62396.62 | N/A | Employed |  | No |  | No |  |
| XXXX | 24624061 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4695 | 8.726 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 28362.56 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 25001654 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3744.06 | 11.229 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | 70742.3 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 27396143 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5215 | 9.212 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6828.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 28887394 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 94412.13 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 23579705 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 995 | 9.937 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28673.67 | Yes | Employed |  | No |  | No |  |
| XXXX | 25076874 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 188968.57 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 23442795 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 5223.75 | 8.902 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4539.48 | N/A | Employed |  | No |  | No |  |
| XXXX | 25031768 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11950 | 9.318 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30957.88 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 23157983 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 71171.86 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 21233824 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4036.79 | 11.852 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21618.04 | N/A | Employed |  | No |  | No |  |
| XXXX | 20842413 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11941.4 | 8.963 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 162668.34 | N/A | Employed |  | No |  | No |  |
| XXXX | 23655675 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 8.685 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 37116.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 22076591 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8420 | 9.064 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16450.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 26804907 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4478.6 | 8.374 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 2762.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 28732473 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3305.25 | 9.488 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7366.82 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 28337975 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7250 | 8.116 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12010.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 28795328 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 7990 | 10.755 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27905.69 | Yes | Employed |  | No |  | No |  |
| XXXX | 21821745 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2796.5 | 9.711 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9376.45 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 20801033 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 8.953 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18637.41 | Yes | Employed |  | No |  | No |  |
| XXXX | 22715721 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 53712.72 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 23643020 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 21954216 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 8.603 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43446.13 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 25417520 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1590 | 9.224 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 69264.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 20568512 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 13066.68 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 27815236 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7575 | 7.687 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26881.11 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 21867689 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 42060.95 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 28206337 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 20302015 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8495 | 8.007 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 136166.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 29394165 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 10995 | 8.539 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 80076.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 24209259 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2650.85 | 12.525 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21128.67 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 29586450 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2375 | 9.168 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6649.58 | N/A | Employed |  | No |  | No |  |
| XXXX | 21028746 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 8.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 11540.71 | N/A | Employed |  | No |  | No |  |
| XXXX | 20652703 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3427.5 | 9.056 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 16057.73 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 29390610 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 7375 | 8.624 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50661.98 | N/A | Employed |  | No |  | No |  |
| XXXX | 25155204 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3057.5 | 10.544 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13474.46 | N/A | Employed |  | No |  | No |  |
| XXXX | 28342181 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 32762.5 | 9.419 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 106334.69 | N/A | Employed |  | No |  | No |  |
| XXXX | 25548171 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9145.43 | 9.579 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28589.77 | Yes | Employed |  | No |  | No |  |
| XXXX | 28552100 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 8.289 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10894.93 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 29921494 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 8.313 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17919.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 27208804 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4018.27 | 9.608 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8206.39 | N/A | Employed |  | No |  | No |  |
| XXXX | 23090963 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 19638.75 | 9.355 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 392876.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 29352886 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 7.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7270.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 21139264 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1915 | 8.57 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19139.76 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 26522609 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 11695 | 8.271 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 17282.3 | Yes | Employed | Employed | No | No | No |  |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 27961648 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 27961648 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 29397780 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 29397780 | XXXX | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo Questionnaire |
| XXXX | 29397780 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 70.1 | 70.00 | Per Appraised Value and 1st Mtg Balance from Mtg Statement and Credit Supp |
| XXXX | 28040783 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 22764520 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 22764520 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.15 | 35.05 | Variance due to MI on first lien and crar lease being included |
| XXXX | 24372135 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 24372135 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 75 | 70.00 | Per Exception in file |
| XXXX | 24372135 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 24372135 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | 24372135 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.58 | 38.65 | Audit calculated lower income |
| XXXX | 22700809 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 22700809 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final CD |
| XXXX | 28384680 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 28965203 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 22623388 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 22477201 | XXXX | XXXX | Interest Rate | notePage | XXXX | XXXX | per note |
| XXXX | 21906951 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 21906951 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | 27744760 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 27744760 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 14.81 | 14.74 | loan amount/appraisal value |
| XXXX | 27744760 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 60.17 | 59.86 | loan amount/appraisal value |
| XXXX | 27744760 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 20667675 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 22073246 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 22073246 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 24125212 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 24125212 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 75.76 | 79.62 | loan amount/appraisal value |
| XXXX | 24125212 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 11.38 | 4.03 | Lender did not include 1st lien PITI |
| XXXX | 27129081 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 22043072 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 23041550 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 23041550 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 62.54 | 65.71 | 1st lien most recent balance used tape source unknown. |
| XXXX | 23041550 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 25860156 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 25860156 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | 25860156 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 732 | 762 | Lowest middle score - borrower is 50/50 owners. |
| XXXX | 29162437 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per most recent statement. |
| XXXX | 28938911 | XXXX | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Borrower is 1099 |
| XXXX | 23864608 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003. |
| XXXX | 22009944 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 22009944 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.38 | 35.80 | Lender duplicated T&I of 1st mortgage on 1008 |
| XXXX | 27630532 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 21419048 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 20060064 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 28082574 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 28082574 | XXXX | XXXX | Borrower 1 Email or Internet | the1003Page | false | XXXX | Per Final 1003 |
| XXXX | 28082574 | XXXX | XXXX | ULI | the1003Page | XXXX | XXXX | Per Final 1003 |
| XXXX | 27724758 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 27724758 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.08 | 39.56 | Audit included T/I for REO's and utilized debts on gap credit |
| XXXX | 24302342 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 24302342 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per Appraisal, title |
| XXXX | 24302342 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | 21295547 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 31.98 | 31.48 | Lender used higher appraised value. |
| XXXX | 21295547 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal. |
| XXXX | 24801232 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Final 1003 and Credit Supplement |
| XXXX | 20537991 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | 20537991 | XXXX | XXXX | Maturity Date | notePage | XXXX | XXXX | per note |
| XXXX | 20537991 | XXXX | XXXX | First Payment Date | notePage | XXXX | XXXX | per note |
| XXXX | 29594325 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit 1st lien taken from mtg stmt in file, in line w/ 1003 and 1008. |
| XXXX | 24160568 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.35 | 40.53 | Lender appears to have used authorized user accounts in DTI. |
| XXXX | 24698184 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003, docs in file |
| XXXX | 24698184 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per 1003 |
| XXXX | 24782772 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 5000.00 | Per Final 1003 |
| XXXX | 24782772 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| XXXX | 25916069 | XXXX | XXXX | Loan Type | the1003Page | DSCR | Conventional | Per approval |
| XXXX | 25916069 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 in file. |
| XXXX | 25916069 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit captured first lien balance. |
| XXXX | 26090465 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | XXXX | per 1008 - not dscr |
| XXXX | 26090465 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 43.26 | 0.46 | per leases - no vacancy factor was used |
| XXXX | 29859603 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003 |
| XXXX | 29048724 | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | 22716088 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | 26495237 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | XXXX |
| XXXX | 26495237 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Subject is an investment. |
| XXXX | 26495237 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | 26495237 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 1.233 | subject is not a DSCR loan. |
| XXXX | 20819539 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.19 | 37.67 | Lender used T&I twice |
| XXXX | 26924472 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | per income docs in the file. |
| XXXX | 26924472 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | per the income documents in the file. |
| XXXX | 24400002 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | per Note |
| XXXX | 24400002 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Initial 1003 |
| XXXX | 24400002 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | From Credit Report |
| XXXX | 28894756 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 6386.00 | Per Final 1003 |
| XXXX | 28894756 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Credit report and 1003 confirm |
| XXXX | 29280649 | XXXX | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.77 | 49.56 | Lender counted taxes/ins twice on the subject. |
| XXXX | 22700028 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003 |
| XXXX | 24520773 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 24048496 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 24048496 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per credit report |
| XXXX | 23771959 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 23771959 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per credit report |
| XXXX | 23771959 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.12 | 47.11 | Total income/ total debts. Variance due to lender DTI reflects higher 1st lien P&I. |
| XXXX | 23754481 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 26879244 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Audit matches Mavent in file |
| XXXX | 26879244 | XXXX | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | per credit report in file |
| XXXX | 26879244 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | per Notes in Lender's Folder |
| XXXX | 22605237 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | 22605237 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | primary subject 2nd lien |
| XXXX | 20836701 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 39350.00 | Per Final 1003 |
| XXXX | 20836701 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit value is amount of 1st lien |
| XXXX | 20836701 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per Credit |
| XXXX | 24611916 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | primary 2nd lien |
| XXXX | 21195814 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 1 | 54166.67 | Per 1003 |
| XXXX | 21195814 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1008 |
| XXXX | 21195814 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003, credit report |
| XXXX | 22242470 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 12000.00 | Per final 1003 in file. |
| XXXX | 20867729 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003 |
| XXXX | 20867729 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per Credit Report |
| XXXX | 29229402 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | per credit report |
| XXXX | 29263235 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per Credit report |
| XXXX | 26116263 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Refinance of Primary Residence |
| XXXX | 26116263 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 3 | 2484.00 | 1003 reflects 3 other income incomes |
| XXXX | 22016459 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 68.17 | -61.00 | Verified from cash out proceeds. |
| XXXX | 28986126 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Per Credit Report. |
| XXXX | 28986126 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 23992298 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 25.88 | 30.88 | Lender used a P&I that was not documented |
| XXXX | 28776363 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 28776363 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 27.14 | 25.72 | loan amount/AVM |
| XXXX | 28776363 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 77.62 | 73.56 | loan amount/AVM |
| XXXX | 28776363 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per AVM |
| XXXX | 28768041 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit other lien is 1st MTG |
| XXXX | 21912868 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 28490246 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 14 | 0 | Per 1003, credit report |
| XXXX | 28928232 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 28928232 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per AVM |
| XXXX | 24522416 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| XXXX | 24522416 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per application |
| XXXX | 26811750 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.8912 | not dscr |
| XXXX | 29196067 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per Final closing disclosure |
| XXXX | 20149883 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1st mortgage statement |
| XXXX | 20149883 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 0 | Per 1003, credit report |
| XXXX | 20084940 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 21557217 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | 21557217 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX | 28360090 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per most recent Profit & Loss |
| XXXX | 25920256 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| XXXX | 23955362 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per most recent mortgage statement |
| XXXX | 29214551 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per cd |
| XXXX | 29517620 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final Cd. |
| XXXX | 29517620 | XXXX | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per guidelines, audit calculated the income based on the net income per P&L 12 month average |
| XXXX | 29517620 | XXXX | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per guidelines, audit calculated the income based on the net income per P&L 12 month average |
| XXXX | 20031844 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PC Cd |
| XXXX | 22946172 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | per 1003 |
| XXXX | 22805045 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | 1st Mortgage Balance |
| XXXX | 22805045 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per 1003/Credit Report |
| XXXX | 25832287 | XXXX | XXXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41 | 38.52 | Lender did not include the full taxes and insurance in the DTI |
| XXXX | 27589153 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Bal of 1st lien per mortgage statement |
| XXXX | 27589153 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 0 | Per 1003/Credit Report |
| XXXX | 27589153 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 18 | 2263 | Per 1003 |
| XXXX | 28613755 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per 1003 |
| XXXX | 27244168 | XXXX | XXXX | Qualifying Total Reserves Number of Months | assetPage | 26.96 | -9.00 | no assets in the file. assets not required. |
| XXXX | 24197032 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Final 1003 and matches 1008 |
| XXXX | 22091323 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 22091323 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 22091323 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Detached | Detached | Per Appraisal |
| XXXX | 22091323 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | This is balance due on 1st lien loan |
| XXXX | 24834634 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Subject is 2nd lien. Original is 1st. |
| XXXX | 24834634 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 0 | Per 1003/Credit Report |
| XXXX | 25826023 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Balance of 1st Lien per Credit Report |
| XXXX | 29856789 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 29856789 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| XXXX | 25994884 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| XXXX | 25994884 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per 1003 |
| XXXX | 24943334 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 24943334 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003/credit report |
| XXXX | 24075819 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 3 | Per 1003 |
| XXXX | 23483073 | XXXX | XXXX | Total Qualified Assets Available For Reserves | assetPage | 0 | 27081.82 | asset verification not required |
| XXXX | 21651173 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Per REO documentation |
| XXXX | 29094604 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | loan amount. not other lien |
| XXXX | 20157745 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per credit |
| XXXX | 26246192 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | subject is owned |
| XXXX | 25982368 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Refinance of primary residence. |
| XXXX | 25982368 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 1 | 2384.38 | Per 1003 |
| XXXX | 25982368 | XXXX | XXXX | Borrower 2 Employer 1 Years in Line of Work | the1003Page | 2.33 | 28 | Per 1003 |
| XXXX | 25982368 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 24 | 288 | Per 1003 |
| XXXX | 25982368 | XXXX | XXXX | Borrower 2 Years in Current Home | the1003Page | 24 | 288 | per 1003 |
| XXXX | 25982368 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | AVM used to close, Tape Value source unknown |
| XXXX | 24459165 | XXXX | XXXX | Final Reviewed QM Status | diligenceFinalLookPage | XXXX | XXXX | Primary Residence |
| XXXX | 24263455 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 6.42 | 77 | Audit value is years per 1003. |
| XXXX | 24263455 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Refi of prim residence. |
| XXXX | 24263455 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 5 | 60 | Audit value is years per 1003. |
| XXXX | 24263455 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit value is 1st lien. |
| XXXX | 24624061 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | 24624061 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.46 | 39.24 | DUE to REO income varies and lender did not include 1st lien on 1008,. |
| XXXX | 25001654 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 84.99 | 85.00 | 1st + 2nd Mortgages/Appraised Value |
| XXXX | 25001654 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | True value is appraised, tape is purchase price within past 6 months used for LTV calculation. |
| XXXX | 27396143 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 28887394 | XXXX | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | Per Legal |
| XXXX | 28887394 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 28887394 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Country name |
| XXXX | 28887394 | XXXX | XXXX | Borrower 1 Ethnicity - I do not wish to provide this information | the1003Page | true | false | Per 1003 |
| XXXX | 28887394 | XXXX | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 28887394 | XXXX | XXXX | Borrower 1 Ethnicity Visual Observation or Surname | the1003Page | false | true | Per 1003 |
| XXXX | 28887394 | XXXX | XXXX | Borrower 1 Ethnicity - Not Hispanic or Latino | the1003Page | false | True | Per 1003 |
| XXXX | 21233824 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement. Tape data reflects loan amount per 1003 |
| XXXX | 20842413 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per 1003 |
| XXXX | 28732473 | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | Subject lien is a CES on a Prim Residence. |
| XXXX | 28337975 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 28337975 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 3 | Per Credit Report |
| XXXX | 28795328 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per subject 2nd lien Note |
| XXXX | 28795328 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial application |
| XXXX | 28795328 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Credit report |
| XXXX | 28795328 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender used a higher 1st mortgage P&I vs verfied amount on mortgage statement. |
| XXXX | 21821745 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 2.83 | 34 | Per 1003 |
| XXXX | 21821745 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 2.17 | 26 | Per 1003 |
| XXXX | 21821745 | XXXX | XXXX | Borrower 2 Employer 1 Years in Line of Work | the1003Page | 3.5 | 42 | Per 1003 |
| XXXX | 21821745 | XXXX | XXXX | Borrower 2 Years in Current Home | the1003Page | 2.83 | 34 | Per 1003 |
| XXXX | 21821745 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 8187.25 | Per Final 1003 |
| XXXX | 21821745 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per Final 1003/credit report. |
| XXXX | 22715721 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Attached | Per Title |
| XXXX | 21954216 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | per note |
| XXXX | 21954216 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | 21867689 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 21867689 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | 29394165 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | refinance of subject/primary residence |
| XXXX | 29394165 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 5.42 | 65 | Audit captured number of years, not months. |
| XXXX | 29394165 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 10 | 120 | Audit captured number of years, not months. |
| XXXX | 24209259 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 24209259 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 24209259 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender includes T&I twice from first lien |
| XXXX | 29586450 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 49.05 | 46.85 | 2nd loan amount + 1st lien loan/appraisal value |
| XXXX | 25155204 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per final 1003 |
| XXXX | 28342181 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 25548171 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD |
| XXXX | 28552100 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 28552100 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender had incorrect P&I on 1st lien |
| XXXX | 27208804 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 5720.00 | per 1003 |
| XXXX | 27208804 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 15 | 180 | per 1003 |
| XXXX | 27208804 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement |
| XXXX | 27208804 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per 1003 and mortgage statements |
| XXXX | 29352886 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 29352886 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | 0.00 | Per credit report |
| XXXX | 21139264 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | From application and credit report |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 27961648 | XXXX C A | Closed | finding-3634 | 2025-08-08 11:00 | 2025-09-23 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC clarification. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Per convo with XXXX and XXXX last week, showing timely system evidence of the changes rec'd date and being disclosed timely. Please see the enclosed. Thank you. - Seller-09/22/2025 <br> Counter-Received COC and CD XXXX which does not provide reason why a broker fee was added. Finding remains. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached documents sent to the borrower regarding the CIC - Seller-09/15/2025 <br> Counter-Received a COC however, there is no date when the change occurred. Finding remains. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. While we don't agree with the premise of the statement above, this COC does state the reason for the increase.<br>- Seller-09/08/2025 <br> Counter-Received COC XXXX, document does not specify fee increase and explanation for change. Finding remains. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Broker Fee and Credit Report Fee) without a valid COC in file. Lender Credit on Final CD for XXXX. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 year- Expiration date is XXXX.<br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Per convo with XXXX and XXXX last week, showing timely system evidence of the changes rec'd date and being disclosed timely. Please see the enclosed. Thank you. - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Please see attached documents sent to the borrower regarding the CIC - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. While we don't agree with the premise of the statement above, this COC does state the reason for the increase.<br>- Seller-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/18/2025 | Resolved-Rec'd COC clarification. - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 681 FICO; 660 required<br>Months Reserves exceed minimum required - 27.91 mos reserves; 0 required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5110223 |
| XXXX | 29397780 | XXXX D A | Closed | FPRO1242 | 2025-08-20 10:30 | 2026-01-16 17:20 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal uploaded to stips - Due Diligence Vendor-08/21/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/20/2025 <br> Open-Appraisal is Missing Missing the Appraisal Report indicated on the XXXX XXXX Report to support a value of XXXX. Upon receipt and review, additional conditions maybe required. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/20/2025<br>| Resolved-Appraisal uploaded to stips - Due Diligence Vendor-08/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5247663 |
| XXXX | 29397780 | XXXX D A | Closed | FCRE5782 | 2025-08-20 10:56 | 2025-08-22 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-08/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the Gap Credit Report. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025<br>| Resolved-Received UDN - Due Diligence Vendor-08/22/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5248324 |
| XXXX | 29397780 | XXXX D A | Closed | FCRE1492 | 2025-08-20 11:12 | 2025-08-21 15:45 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Cash Out Letter provided - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/20/2025 <br>Open-Missing a Cash Out Letter from the Borrower. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/20/2025<br>| Resolved-Cash Out Letter provided - Due Diligence Vendor-08/21/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI is 27%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 680- Borrower's FICO 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5248741 |
| XXXX | 24069393 | XXXX C A | Closed | FCRE0082 | 2025-08-21 10:17 | 2025-10-02 14:20 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Quit Cliam Deed. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. Quit Claim Deed adding non-borrowing spouse jointly on title uploaded - Seller-10/01/2025 <br> Counter-Please provide a revised commitment reflecting the correct current vesting. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. The defect as cited is not valid because the spouse was already on title and executed the secured instruments therefore no corrective deed is necessary. The recorded prior mortgage(s) attached hereto show that both XXXX and her spouse, XXXX, executed and were referenced on the deeds of trust. This establishes that XXXX interest has been acknowledged and insured in the chain of title since their acquisition of the property. Accordingly, there was no need for a Quit Claim Deed to add XXXX. His spousal/vested interest was already present of record, and the insured mortgage properly included both parties where required.<br>- Seller-09/22/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing Quit Claim Deed adding non-borrowing spouse jointly on title.<br> - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Quit Claim Deed adding non-borrowing spouse jointly on title uploaded - Seller-10/01/2025 <br> Ready for Review-Document Uploaded. The defect as cited is not valid because the spouse was already on title and executed the secured instruments therefore no corrective deed is necessary. The recorded prior mortgage(s) attached hereto show that both XXXX and her spouse, XXXX, executed and were referenced on the deeds of trust. This establishes that XXXXs interest has been acknowledged and insured in the chain of title since their acquisition of the property. Accordingly, there was no need for a Quit Claim Deed to add XXXX. His spousal/vested interest was already present of record, and the insured mortgage properly included both parties where required.<br>- Seller-09/22/2025 | Resolved-Received Quit Cliam Deed. - Due Diligence Vendor-10/02/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57.90%.<br>Months Reserves exceed minimum required - 33.91 mos reserves; 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5264095 |
| XXXX | 24069393 | XXXX C A | Closed | FCRE1151 | 2025-08-21 10:19 | 2025-10-02 14:20 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received 24+ months chain of Title. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. Online search of XXXX shows XXXX own the property as of XXXX and on XXXX, our borrower XXXX got prop description - XXXX that was deeded to our borrower on XXXX from XXXX. which was eventually developed by XXXX Subdivision on XXXX. XXXX granted deed of easements as of XXXX. Please clear this finding. - Seller-08/22/2025 <br> Open-Unsatisfactory Chain of Title provided. Missing 24 mos chain of title - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please see attached. Online search of XXXX shows XXXX, LLC own the property as of XXXX and on XXXX, our borrower XXXX got prop description - XXXX that was deeded to our borrower on XXXX from XXXX. which was eventually developed by XXXX. XXXX granted deed of easements as of XXXX. Please clear this finding. - Seller-08/22/2025 | Resolved-Received 24+ months chain of Title. - Due Diligence Vendor-08/26/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57.90%.<br>Months Reserves exceed minimum required - 33.91 mos reserves; 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5264142 |
| XXXX | 24069393 | XXXX C A | Closed | FCRE1492 | 2025-08-21 10:23 | 2025-09-12 10:15 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Received documentation to support sufficient seasoning requirements have been met. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. The 24-month chain of title has already been submitted last XXXX on another finding for this fiile requesting for 24 months chain of title. - Seller-09/10/2025 <br> Counter-Please provide 24 month chain of title confirming borrower has been on title more than 6 months. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. The borrower owned property more than 6 months. - Seller-09/08/2025 <br> Counter-Note date to Note date is required by the guidelines. Finding remains. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. XXXX - 3.3 Cash-out states it Must have at least three (3) months title seasoning (note to note). Initial Note date is XXXX. Final Note date is XXXX. However, it must be noted that Note was signed on XXXX but funds were disbursed on XXXX. Please see attached Final CD. - Seller-08/21/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements Per 2.8 and 4.1.1 sections of the guidelines, seasoning requirement is not met. Properties owned less than six (6) months are ineligible. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please see attached. The 24-month chain of title has already been submitted last XXXX on another finding for this fiile requesting for 24 months chain of title. - Seller-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. The borrower owned property more than 6 months. - Seller-09/08/2025 <br> Ready for Review-Document Uploaded. XXXX 3.0 guide - 3.3 Cash-out states it Must have at least three (3) months title seasoning (note to note). Initial Note date is XXXX. Final Note date is XXXX. However, it must be noted that Note was signed on XXXX but funds were disbursed on XXXX. Please see attached Final CD. - Seller-08/21/2025 | Resolved-Received documentation to support sufficient seasoning requirements have been met. - Due Diligence Vendor-09/12/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57.90%.<br>Months Reserves exceed minimum required - 33.91 mos reserves; 0 required |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5264236 |
| XXXX | 24069393 | XXXX C A | Closed | FCRE1440 | 2025-08-21 09:20 | 2025-08-25 15:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Loan was submitted with XXXX Guidelines. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-XXXX version 2.0 guide - 4.7 No Housing History or less than 12 months verified - Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: 1) DTI may not exceed 50% 2) LTV may not exceed 90%. <br> DTI is 44.886 and LTV is 15.789 for this subject loan. Please clear this finding. - Seller-08/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOR to verify full 12m of housing history. - Due Diligence Vendor-08/21/2025 | Ready for Review-XXXX non-QM version 2.0 guide - 4.7 No Housing History or less than 12 months verified - Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: 1) DTI may not exceed 50% 2) LTV may not exceed 90%. <br> DTI is 44.886 and LTV is 15.789 for this subject loan. Please clear this finding. - Seller-08/21/2025 | Resolved-Loan was submitted with Vista Point Guidelines. - Due Diligence Vendor-08/25/2025<br>| CLTV is less than guidelines maximum - Lender max CLTV 80%, subject CLTV 57.90%.<br>Months Reserves exceed minimum required - 33.91 mos reserves; 0 required |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5262997 |
| XXXX | 28040783 | XXXX D A | Closed | FCRE7497 | 2025-08-21 12:40 | 2025-09-23 14:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Upon further review, borrower is no longer the owner - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please escalate this concern to supervisor \*\*\* Lender Notes that the property in question, located at XXXX is not owned by the Borrower and is not listed on the 1003 for the same reason. The obligation mentioned regarding the joint account with XXXX opened since XXXX, is being accounted for in the qualifying ratios, which is tied to 3c on 1003 REO XXXX. You have all supporting documentation and a XXXX recently pulled Property profile as additional feel good supporting documentation, attached anew - Seller-09/20/2025 <br> Counter-Please provide the terms for review. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-No further docs needed, said Obligation is tied to property owned and is already accounted for in qualifying ratios... - Seller-09/12/2025 <br> Counter-Property detail report provided, however the recent purchase of the XXXX property in XXXX reflects a loan secured by both the XXXX property and XXXX on the mortgage statement. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Uploaded anew, please see attached - Seller-09/08/2025 <br> Counter-Document will not open. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Per property profile this was sold - Seller-09/03/2025 <br> Open-XXXX (not noted on 1003 but found on Mtg Stmt with XXXX - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please escalate this concern to supervisor \*\*\* Lender Notes that the property in question, located at XXXX is not owned by the Borrower and is not listed on the 1003 for the same reason. The obligation mentioned regarding the joint account with XXXX acct XXXX opened since XXXX, is being accounted for in the qualifying ratios, which is tied to 3c on 1003 REO XXXX. You have all supporting documentation and a XXXX recently pulled Property profile as additional feel good supporting documentation, attached anew - Seller-09/20/2025 <br> Ready for Review-No further docs needed, said Obligation is tied to property owned and is already accounted for in qualifying ratios... - Seller-09/12/2025 <br> Ready for Review-Document Uploaded. Uploaded anew, please see attached - Seller-09/08/2025 <br> Ready for Review-Document Uploaded. Per property profile this was sold - Seller-09/03/2025 | Resolved-Upon further review, borrower is no longer the owner - Due Diligence Vendor-09/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 748<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.57% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5268399 |
| XXXX | 28040783 | XXXX D A | Closed | FCRE8888 | 2025-08-21 12:42 | 2025-09-10 17:32 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st Lien Note. - Due Diligence Vendor-09/10/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/08/2025 <br>Counter-Received subject lien Note. Please provide the 1st Lien Note. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. Please see attached signed Note for subject - Seller-09/03/2025 <br>Open-Missing original Note for subject property - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/08/2025 <br>Ready for Review-Document Uploaded. Please see attached signed Note for subject - Seller-09/03/2025<br>| Resolved-Received 1st Lien Note. - Due Diligence Vendor-09/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 748<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 36.57% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5268457 |
| XXXX | 22764520 | XXXX D B C A | Closed | FPRO1253 | 2025-08-21 18:32 | 2025-09-17 11:33 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Please note a CDA/secondary valuation was uploaded along with the SSR. - Seller-09/15/2025 <br> Counter-Received XXXX CU reflecting correct city-score 2.9 >2.5. Provide secondary valuation. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/05/2025 <br> Open-The CU in file contains the wrong city for the subject property. - Due Diligence Vendor-08/21/2025 | Ready for Review-Please note a CDA/secondary valuation was uploaded along with the SSR. - Seller-09/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/05/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - mortgage history was 0x30x56 months reviewed<br>Months Reserves exceed minimum required - 29.62 months reserves with 0 required<br>Qualifying DTI below maximum allowed - 37.15% DTI with 50% max |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5274571 |
| XXXX | 22764520 | XXXX D B C A | Closed | finding-3634 | 2025-08-19 13:52 | 2025-08-26 09:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC XXXX for Broker fee increase. There is a Lender credit of XXXX on Final CD for Processing Fee violation. Finding resolved. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Broker Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years - Expiration date is XXXX.<br> - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received COC XXXX for Broker fee increase. There is a Lender credit of XXXX on Final CD for Processing Fee violation. Finding resolved. - Due Diligence Vendor-08/26/2025 | On time mortgage history exceeds guideline requirement - mortgage history was 0x30x56 months reviewed<br>Months Reserves exceed minimum required - 29.62 months reserves with 0 required<br>Qualifying DTI below maximum allowed - 37.15% DTI with 50% max |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5236290 |
| XXXX | 22764520 | XXXX D B C A | Closed | FCRE1195 | 2025-08-21 19:12 | 2025-08-22 08:41 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow CLTV to 80%, Non-material waiver applied with comp factors. non-material due to less than 5% exception request - Due Diligence Vendor-08/22/2025 <br>Open-Audited CLTV of 79.98% exceeds Guideline CLTV of 75%. Lender exception in file (p. 702). - Due Diligence Vendor-08/21/2025 |  | Waived-Originator exception granted to allow CLTV to 80%, Non-material waiver applied with comp factors. non-material due to less than 5% exception request - Due Diligence Vendor-08/22/2025<br>| On time mortgage history exceeds guideline requirement - mortgage history was 0x30x56 months reviewed<br>Months Reserves exceed minimum required - 29.62 months reserves with 0 required<br>Qualifying DTI below maximum allowed - 37.15% DTI with 50% max | 0x30 mortgage history 24 months<br> Self employer over 5 years<br> 4yrs in home |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5274866 |
| XXXX | 24372135 | XXXX D B A | Closed | FPRO1245 | 2025-08-22 14:21 | 2026-01-21 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Appraisal is Expired | Resolved-Received Re-Cert of Value. No change in market value. - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025 <br>Open-Primary Value Appraisal is Expired A completion cert. was in file for the basement stove; however, the appraisal was expired, 213 days old or 7 months, and the cert. did not reflect that the appraiser reviewed current market data to determine whether the property has declined in value since the date of the original appraisal. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/25/2025<br>| Resolved-Received Re-Cert of Value. No change in market value. - Due Diligence Vendor-08/26/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5286447 |
| XXXX | 24372135 | XXXX D B A | Closed | FCRE7497 | 2025-08-22 16:45 | 2025-10-07 15:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property profile provided confirming this property is owned by an entity. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Property profile was provided to show that the property is owned by XXXX. We further point out that the Borrower on the recent mortgage shows as XXXX, which supports the LLC would be financially responsible for this debt. Even if the borrower was the owner of the business, the debt would not be hit against the borrower as the LLC as an Entity is responsible for the debt. We ask that this condition be cleared. - Seller-10/07/2025 <br> Counter-XXXX is not listed on the 1003 loan application. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-I respectfully disagree since page 43 of 64 of lease agreements shows apartment address of XXXX Lower Level which was disclosed on the 1003 as the subject investment property. - Seller-08/25/2025 <br> Open-Lease in file on page 44 for a property not reflected on the 1003 and missing verification of PITIA on this property. This property was not included in the audit. Additional finding may apply. - Due Diligence Vendor-08/22/2025 | Ready for Review-Property profile was provided to show that the property is owned by XXXX. We further point out that the Borrower on the recent mortgage shows as XXXX, which supports the LLC would be financially responsible for this debt. Even if the borrower was the owner of the business, the debt would not be hit against the borrower as the LLC as an Entity is responsible for the debt. We ask that this condition be cleared. - Seller-10/07/2025 <br> Ready for Review-I respectfully disagree since page 43 of 64 of lease agreements shows apartment address of XXXX which was disclosed on the 1003 as the subject investment property. - Seller-08/25/2025 | Resolved-Property profile provided confirming this property is owned by an entity. - Due Diligence Vendor-10/07/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5289371 |
| XXXX | 24372135 | XXXX D B A | Closed | FCRE5790 | 2025-08-22 15:01 | 2025-08-26 17:03 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attach - Credit Refresh - XXXX - Seller-08/25/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Fraud report with UDM was dated XXXX. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attach - Credit Refresh - XXXX - Seller-08/25/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-08/26/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5287274 |
| XXXX | 24372135 | XXXX D B A | Closed | FCRE1345 | 2025-08-22 16:36 | 2025-08-26 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. Prop XXXX - XXXX lease agreement - Seller-08/25/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing lease agreement for property 3c on the 1003. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached. Prop XXXX - XXXX1 and XXXX lease agreement - Seller-08/25/2025 | Resolved-Borrower 1 Lease Agreements Provided - Due Diligence Vendor-08/26/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5289239 |
| XXXX | 24372135 | XXXX D B A | Closed | FCRE8888 | 2025-08-22 15:24 | 2025-08-26 16:45 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Upon further review, the mortgage statement is sufficient per the guidelines. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Per 2.3 guide of the XXXX Loan Eligibility Guideline only requires a copy of the most current 1st mortgage statement to determine eligibility. XXXX mortgage statement for subject investment property - XXXX has a maturity date of XXXX which is a 30year fixed. Please clear this finding. - Seller-08/25/2025 <br> Open-Missing Original first lien Note for Subject property - Due Diligence Vendor-08/22/2025 | Ready for Review-Per 2.3 guide of the XXXXMortgage Loan Eligibility Guideline only requires a copy of the most current 1st mortgage statement to determine eligibility. XXXX mortgage statement for subject investment property - XXXX has a maturity date of XXXX which is a 30year fixed. Please clear this finding. - Seller-08/25/2025 | Resolved-Upon further review, the mortgage statement is sufficient per the guidelines. - Due Diligence Vendor-08/26/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5287761 |
| XXXX | 24372135 | XXXX D B A | Closed | FCRE1195 | 2025-08-22 15:20 | 2025-08-22 16:42 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator exception granted to allow 75% LTV with max of 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/22/2025 <br>Open-Audited CLTV of 75% exceeds Guideline CLTV of 70%. Lender exception in file. - Due Diligence Vendor-08/22/2025 |  | Waived-Originator exception granted to allow 75% LTV with max of 70%. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-08/22/2025<br>| Credit history exceeds minimum required - 24 months 0X30 mortgage payment history<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 766 | -5+ years of same employment<br> -24 months 0x30 mortgage payment history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | N/A | 5287706 |
| XXXX | 22700809 | XXXX C B A | Closed | finding-3652 | 2025-09-12 07:51 | 2025-09-23 09:42 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-Rec'd LOE, PCCD, copy of check payable to borrower and shipping label. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/22/2025 <br> Open-\*\*\* NEW \*\*\* This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX on Final CD to XXXX on PCCD without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/22/2025<br>| Cured-Rec'd LOE, PCCD, copy of check payable to borrower and shipping label. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - DTI of 40.79% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5512709 |
| XXXX | 22700809 | XXXX C B A | Closed | FCOM1354 | 2025-08-22 13:07 | 2025-09-12 07:53 | Resolved | 1 - Information C A | Compliance | Disclosure | Right to Cancel Transaction Date is less than 3 business days prior to the Disclosure Cancel Date | Resolved-Rec'd PCCD and RORs. Finding resolved. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/10/2025 <br> Open-Right to Cancel Transaction Date is 'XXXX' but the Disclosure Cancel Date entered is 'XXXX'. Please verify that the correct dates have been entered (Number of Business Days Difference is '2'). The Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days.<br> - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/10/2025<br>| Resolved-Rec'd PCCD and RORs. Finding resolved. - Due Diligence Vendor-09/12/2025<br>| Qualifying DTI below maximum allowed - DTI of 40.79% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5284702 |
| XXXX | 22700809 | XXXX C B A | Closed | finding-47 | 2025-08-22 13:27 | 2025-09-12 07:52 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/10/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-09/12/2025 | Qualifying DTI below maximum allowed - DTI of 40.79% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 726 which exceeds the minimum of 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5285125 |
| XXXX | 28384680 | XXXX D A | Closed | FCRE1506 | 2025-08-25 15:22 | 2026-01-20 13:49 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-DTI finding has been resolved. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. DTI exceeds guidelines, first lien P&I payment and taxes were not included in the DTI. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Resolved-DTI finding has been resolved. - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths --- Borrowers have reserves 29.85 mths. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 758 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5306782 |
| XXXX | 28384680 | XXXX D A | Closed | FCRE1347 | 2025-08-25 14:18 | 2025-09-22 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing Borrower 2 VVOE within 10 days prior to Note Date to confirm 2+years employment. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/19/2025<br>| Resolved-Received VVOE - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths --- Borrowers have reserves 29.85 mths. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 758 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5305247 |
| XXXX | 28384680 | XXXX D A | Closed | FCRE1193 | 2025-08-25 14:43 | 2025-09-17 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Per lender, included Rental income for property 3b. Audited DTI of 38.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. using rents from both units of duplex, XXXX, to qualify. updated 1003 and 1008 uploaded. you already have the leases for both units as well as proof of rents from the property management company. - Seller-09/12/2025 <br> Open-Audited DTI of 60.11% exceeds Guideline DTI of 50% The final 1008 provided does not include the subject's entire PITIA, only the 2nd mortgage payment and HOI. It does not consider the 1st mortgage P&I of XXXX or taxes of XXXX for the subject into the DTI Calculation. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. using rents from both units of duplex, XXXX, to qualify. updated 1003 and 1008 uploaded. you already have the leases for both units as well as proof of rents from the property management company. - Seller-09/12/2025 | Resolved-Per lender, included Rental income for property 3b. Audited DTI of 38.85% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths --- Borrowers have reserves 29.85 mths. <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrowers FICO 758 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5305888 |
| XXXX | 28965203 | XXXX C B A | Closed | finding-3634 | 2025-08-27 10:12 | 2025-09-18 10:24 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Upon further review, Received PCCD XXXX, LOX, copy of check and evidence of delivery - Due Diligence Vendor-09/18/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. Please see enclosed for system evidence of the broker fee updating and timing of when for analysis of timely disclosure. Also there was non broker fee cure we agreed with and reloaded those cure docs as well for review. - Seller-09/17/2025 <br> Counter-Received response from client that the total of the Broker fee and Loan Amount points fees is lower on final CD. However, these are two different fees that should not be lumped together. Broker fee is compensation for the specific person (loan officer or broker) who assisted with the loan. The loan amount points is a fee the borrower pays to get a lower interest rate. Finding remains. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br> Counter-Received PCCD dated XXXX indicating that a refund of XXXX was issued to borrower. However, it is missing scan of refund check and shipping label. Also received revised LE dated XXXX with corresponding COC. However, COC does not state reason that Mortgage Broker Fee increased. Total reimbursement required remains at XXXX. - Due Diligence Vendor-09/03/2025 <br> Ready for Review-Document Uploaded. Please see attached, - Seller-08/29/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Broker Fee, Transfer Taxes and Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - Three years; expiration date is XXXX. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see enclosed for system evidence of the broker fee updating and timing of when for analysis of timely disclosure. Also there was non broker fee cure we agreed with and reloaded those cure docs as well for review. - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. Please see attached, - Seller-08/29/2025<br>| Cured------Upon further review, Received PCCD XXXX, LOX, copy of check and evidence of delivery - Due Diligence Vendor-09/18/2025 | Months Reserves exceed minimum required - 60ths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 683<br>LTV is less than guideline maximum - 60% < 80% allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5331708 |
| XXXX | 28965203 | XXXX C B A | Closed | FCOM1264 | 2025-08-27 12:16 | 2025-09-03 09:20 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Right of Rescission is Not Executed | Resolved-Received executed Right of Rescission. Finding resolved. - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025 <br>Open-Right of Rescission is Not Executed The Right to Cancel form in file is not executed. Please provide an executed copy. - Due Diligence Vendor-08/27/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/29/2025<br>| Resolved-Received executed Right of Rescission. Finding resolved. - Due Diligence Vendor-09/03/2025<br>| Months Reserves exceed minimum required - 60ths reserves; 0 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 683<br>LTV is less than guideline maximum - 60% < 80% allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5334694 |
| XXXX | 22623388 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 22477201 | XXXX C A | Closed | FCRE8888 | 2025-08-22 17:14 | 2025-10-10 17:07 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Per guidelines 2.3 Mortgage Statement is sufficient. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. see guidelines, we only require the mortgage statement to determine eligibility - Seller-10/09/2025 <br>Ready for Review-Document Uploaded. Per guidelines mortgage statement is the only documentation required. - Seller-10/08/2025 <br>Counter-1st lien Mortgage provided. Please provide the Note. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 | Ready for Review-Document Uploaded. see guidelines, we only require the mortgage statement to determine eligibility - Seller-10/09/2025 <br>Ready for Review-Document Uploaded. Per guidelines mortgage statement is the only documentation required. - Seller-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Per guidelines 2.3 Mortgage Statement is sufficient. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; minimum score 680.<br>CLTV is less than guidelines maximum - 63.32% CLTV below max of 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5289980 |
| XXXX | 22477201 | XXXX C A | Closed | finding-3652 | 2025-08-19 08:09 | 2025-09-10 12:39 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received valid COC and CD dated XXXX. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. - Seller-09/09/2025 <br> Counter------Received COC XXXX which describes and change in increased DTI. Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide evidence of COC for the decrease. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/27/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received valid COC and CD dated XXXX. - Due Diligence Vendor-09/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; minimum score 680.<br>CLTV is less than guidelines maximum - 63.32% CLTV below max of 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5224817 |
| XXXX | 22477201 | XXXX C A | Closed | FCRE1254 | 2025-08-20 08:03 | 2025-08-28 18:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from Title, items will be removed. - Due Diligence Vendor-08/28/2025 <br>Ready for Review-Document Uploaded. - Seller-08/26/2025 <br>Open-Property Title Issue Missing copy of judgment search. Title commitment #8 references a judgment search that was not attached to title. Additional findings may apply. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/26/2025<br>| Resolved-Received confirmation from Title, items will be removed. - Due Diligence Vendor-08/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 743; minimum score 680.<br>CLTV is less than guidelines maximum - 63.32% CLTV below max of 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5245186 |
| XXXX | 21906951 | XXXX C A | Closed | finding-3634 | 2025-08-28 13:58 | 2025-09-16 11:27 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached response to counter. - Seller-09/12/2025 <br> Counter-Received CD dated XXXX and corresponding COC dated XXXX, already in file. Reason for discount points increase not provided, finding countered. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years. Expiration date 8/18/2028<br> - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached response to counter. - Seller-09/12/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Rec'd COC. - Due Diligence Vendor-09/16/2025<br>| CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV 58.66%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 799 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5350642 |
| XXXX | 21906951 | XXXX C A | Closed | finding-3635 | 2025-08-28 13:58 | 2025-09-05 09:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Received PCCD dated XXXX with corrections. Finding resolved. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Courier Fee, Lender's Title Insurance Policy, Notary Fee, Recording Service Fee, Settlement Fee, Sub-Escrow Fee, Title Endorsement Fee, Wire Transfer Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years. Expiration Date is XXXX<br> - Due Diligence Vendor-08/28/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/03/2025<br>| Resolved-Received PCCD dated XXXX with corrections. Finding resolved. - Due Diligence Vendor-09/05/2025 | CLTV is less than guidelines maximum - Max CLTV is 80%, borrowers CLTV 58.66%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 799 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5350644 |
| XXXX | 27744760 | XXXX D A | Closed | FCRE1440 | 2025-09-02 14:07 | 2025-09-18 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, the loan is not actively deferred as confirmed by the clean 24-month pay history and may remain open per guidelines. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Per mortgage statement, the deferred balance of XXXX is a forbearance. Since we can verify the most recent 12 months history it is confirmed the loan is not currently in forbearance. This is not a modification. Please waive condition and refer to 1st lien guides 4.10 only referencing loans cannot currently be in forbearance. - Seller-09/15/2025 <br> Counter-Confirmed 12 month payment history was located. Please provide the Term of the Modification agreement for review. Additional findings may apply. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. XXXX 1st mtg is reported on the credit report and has history from XXXX – XXXX. This shows the mortgage payment history dating back to XXXX thru current when including the mortgage statements. It is clear per the payment history that the borrower is not in forbearance or any deferment, and the loan meets housing requirements. Please see attached. - Seller-09/03/2025 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing VOM of the first mortgage for the previous 12 months. <br> 2. Current first mortgage has a modification - modification not documented. Additional conditions may apply. - Due Diligence Vendor-09/02/2025 | Ready for Review-Per mortgage statement, the deferred balance of XXXXis a forbearance. Since we can verify the most recent 12 months history it is confirmed the loan is not currently in forbearance. This is not a modification. Please waive condition and refer to 1st lien guides 4.10 only referencing loans cannot currently be in forbearance. - Seller-09/15/2025 <br> Ready for Review-Document Uploaded. XXXX 1st mtg is reported on the credit report and has history from XXXX – XXXX. This shows the mortgage payment history dating back to XXXX thru current when including the mortgage statements. It is clear per the payment history that the borrower is not in forbearance or any deferment, and the loan meets housing requirements. Please see attached. - Seller-09/03/2025 | Resolved-After further review, the loan is not actively deferred as confirmed by the clean 24-month pay history and may remain open per guidelines. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.57%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5382450 |
| XXXX | 27744760 | XXXX D A | Closed | FCRE8887 | 2025-09-02 12:51 | 2025-09-04 14:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received revised 1003. - Due Diligence Vendor-09/04/2025 <br> Ready for Review-Document Uploaded. Please see at - Seller-09/03/2025 <br> Open-1003 states borrower is a XXXX, Title reflects borrower is XXXX???? No ID in file - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. Please see at - Seller-09/03/2025<br>| Resolved-Received revised 1003. - Due Diligence Vendor-09/04/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.57%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 743 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5381160 |
| XXXX | 20667675 | XXXX C A | Closed | FCRE1510 | 2025-08-29 14:57 | 2025-09-19 14:46 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-The legal description with the DOT was provided - Due Diligence Vendor-09/19/2025 <br>Ready for Review-Document Uploaded. Corrected DOT uploaded - Seller-09/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description is missing from DOT - Due Diligence Vendor-08/29/2025 | Ready for Review-Document Uploaded. Corrected DOT uploaded - Seller-09/18/2025<br>| Resolved-The legal description with the DOT was provided - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - 28.90% DTI below max allowed of 50%<br>Months Reserves exceed minimum required - 12.02 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5366084 |
| XXXX | 22073246 | XXXX C A | Closed | FCRE0110 | 2025-09-04 12:56 | 2025-09-18 16:03 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Solar financing included in the DTI and UCC provided. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Please see attached Final 1003 - liabilities, Credit report & Title report. Solar is through XXXX. Please clear this finding. - Seller-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Counter-Received UCC-missing financing agreement to confirm included in DTI. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 <br> Open-Missing solar panel financing agreement and/or copy of the UCC-1 filing, to verify if the solar lien is a Property Assessed Clean Energy (PACE) loan or if the solar lien is secured by the equipment or property. Additional conditions may apply. - Due Diligence Vendor-09/04/2025 | Ready for Review-Please see attached Final 1003 - liabilities, Credit report & Title report. Solar is through XXXX. Please clear this finding. - Seller-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/04/2025 | Resolved-Solar financing included in the DTI and UCC provided. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 803<br>CLTV is less than guidelines maximum - 38.29% CLTV ratio, 80% maximum CLTV allowed.<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 16.80 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5412737 |
| XXXX | 24125212 | XXXX C A | Closed | FPRO1257 | 2025-09-05 13:24 | 2025-09-17 10:44 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received secondary valuation. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Desk review in file shows wrong appraised value and does not match the appraisal provided. Additionally, the desk review is expired. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-09/17/2025<br>| On time mortgage history exceeds guideline requirement - 21 months clean payment history<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 11.32% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5431026 |
| XXXX | 24125212 | XXXX C A | Closed | finding-47 | 2025-09-05 07:02 | 2025-09-09 11:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with correct disbursement date. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. Please see attached PCCD with correct disbursement date of XXXX- Seller-09/08/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date, XXXX. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Please see attached PCCD with correct disbursement date of XXXX - Seller-09/08/2025 | Resolved-Received PCCD 9/8/2025 with correct disbursement date. - Due Diligence Vendor-09/09/2025<br>| On time mortgage history exceeds guideline requirement - 21 months clean payment history<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 11.32% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5422878 |
| XXXX | 24125212 | XXXX C A | Closed | finding-3634 | 2025-09-05 07:02 | 2025-09-09 11:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Lender credit on final CD, XXXX for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-09/05/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit on final CD, XXXX for increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-09/05/2025 |  | Resolved------Lender credit on final CD, XXXXfor increase in Closing Costs above legal limit. Finding resolved. - Due Diligence Vendor-09/05/2025 | On time mortgage history exceeds guideline requirement - 21 months clean payment history<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 11.32% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5422882 |
| XXXX | 24125212 | XXXX C A | Closed | FCRE1278 | 2025-09-05 14:31 | 2025-09-08 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. We respectfully disagree. The subject loan is a 2nd TD. As per the attached 1st TD payment letter, the escrows are on the 1st XXXX, not the 2nd XXXX. - Seller-09/05/2025 <br> Open-HPML not allowed for escrow waiver. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. We respectfully disagree. The subject loan is a 2nd TD. As per the attached 1st TD payment letter, the escrows are on the 1st TD, not the 2nd TD. - Seller-09/05/2025<br>| Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-09/08/2025<br>| On time mortgage history exceeds guideline requirement - 21 months clean payment history<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 11.32% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5432389 |
| XXXX | 27129081 | XXXX C A | Closed | finding-2504 | 2025-09-05 15:33 | 2025-09-30 07:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Resolved-Received copy of ROR with shipping label. Finding resolved. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. full updated NRTC documetnation attached to clear. - Seller-09/29/2025 <br> Counter-Please provide update ROR. Copy received is the original. Finding remains. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025 <br> Counter-Received PCCD XXXX, LOE, refund check for XXXX and proof of delivery. We did not receive new ROR form for borrower. Since this is a refinance, new 3 day rescission period needs to be provided to borrower. - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is XXXX. The disclosed finance charge of XXXX is not considered accurate for purposes of rescission because it is understated by more than $35. ----- Finance charge is understated by XXXX which exceeds threshold of XXXX. Provide evidence of refund or principal reduction for XXXX or, at a minimum, to the XXXX threshold, post-close CD, LOE and evidence of delivery to the borrower within 60 days of discovery. Statute also requires that rescission be re-opened. Provide evidence of same. <br> - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. full updated NRTC documetnation attached to clear. - Seller-09/29/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025<br>| Resolved-Received copy of ROR with shipping label. Finding resolved. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.19% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5433707 |
| XXXX | 27129081 | XXXX C A | Closed | FCRE1440 | 2025-09-08 09:58 | 2025-09-16 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, loan meets less than 12 months Verified guidelines. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Said borrower has moved in to the subject Primary home property since XXXX of which the first payment would be XXXX and would only have limited ratings available. Therefore, Please see loan meets - Guide 4.7 No Housing History or Less Than 12 Months Verified • Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: o DTI may not exceed 50% o LTV may not exceed 90%<br> - Seller-09/12/2025 <br> Counter-Borrower 2 stated on the 1003 loan application a 12 month housing history which should be verified. - Due Diligence Vendor-09/11/2025 <br> Ready for Review-Please see loan meets - Guide 4.7 No Housing History or Less Than 12 Months Verified<br> • Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:<br> o DTI may not exceed 50%<br> o LTV may not exceed 90% - Seller-09/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a VOR for prior rental of primary residence in past 12m. (Borrowers have only been in current primary home since XXXX, prior housing history shows B2 is listed as renting and B1 is listed as living rent free at rental). - Due Diligence Vendor-09/08/2025 | Ready for Review-Said borrower has moved in to the subject Primary home property since XXXX of which the first payment would be XXXX and would only have limited ratings available. Therefore, Please see loan meets - Guide 4.7 No Housing History or Less Than 12 Months Verified • Borrowers who do not have a complete 12-month housing history are subject to the following restrictions: o DTI may not exceed 50% o LTV may not exceed 90%<br> - Seller-09/12/2025 <br> Ready for Review-Please see loan meets - Guide 4.7 No Housing History or Less Than 12 Months Verified<br> • Borrowers who do not have a complete 12-month housing history are subject to the following restrictions:<br> o DTI may not exceed 50%<br> o LTV may not exceed 90% - Seller-09/09/2025 | Resolved-Upon further review, loan meets less than 12 months Verified guidelines. - Due Diligence Vendor-09/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.19% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5446911 |
| XXXX | 27129081 | XXXX C A | Closed | finding-3634 | 2025-09-05 15:33 | 2025-09-15 13:02 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD with fee moved to correct section (C). - Due Diligence Vendor-09/15/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----Zero (0%) tolerance fees increased by XXXX (Courier Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - Three Years - Expiration Date XXXX. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/12/2025<br>| Resolved-Received PCCD with fee moved to correct section (C). - Due Diligence Vendor-09/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 771<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.19% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5433701 |
| XXXX | 22043072 | XXXX C A | Closed | FCRE1510 | 2025-09-08 09:00 | 2025-10-02 15:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received re-executed Deed of Trust. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Please see attached re-executed DOT, Rider with Legal Description. - Seller-09/30/2025 <br>Counter-The borrower is required to initial the change acknowledging the correction. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing trust verbiage under borrower signature. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached re-executed DOT, Rider with Legal Description. - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025<br>| Resolved-Received re-executed Deed of Trust. - Due Diligence Vendor-10/02/2025<br>| CLTV is less than guidelines maximum - CLTV is 65.58% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 751 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5446022 |
| XXXX | 22043072 | XXXX C A | Closed | FCRE1509 | 2025-09-08 09:00 | 2025-10-02 14:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received re-executed Note. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. Please see attached Re-executed Note with the trust verbiage. - Seller-09/30/2025 <br>Counter-Please upload the note once corrected. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Working on getting the note corrected with the right trust verbiage. - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025 <br>Open-There are Issues Present on the Note that must be addressed. -----Missing trust verbiage under borrower signature. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached Re-executed Note with the trust verbiage. - Seller-09/30/2025 <br>Ready for Review-Working on getting the note corrected with the right trust verbiage. - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025<br>| Resolved-Received re-executed Note. - Due Diligence Vendor-10/02/2025<br>| CLTV is less than guidelines maximum - CLTV is 65.58% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 751 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5446025 |
| XXXX | 22043072 | XXXX C A | Closed | FCRE1440 | 2025-09-08 16:28 | 2025-09-10 17:48 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Note. No payments required. - Due Diligence Vendor-09/10/2025 <br> Ready for Review-Document Uploaded. Please see attached. There will be no VOM requirement required from XXXX since it is a Straight Note - Note Secured by Deed of Trust. A standard Straight Note does not have monthly payments since this is a single large payment of both principal and interest due at maturity. Please clear this finding. - Seller-09/09/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing VOM from XXXX for the subject property. 0x30x12 Minimum 12 months housing history required. Additional findings may apply. - Due Diligence Vendor-09/08/2025 | Ready for Review-Document Uploaded. Please see attached. There will be no VOM requirement required from XXXX since it is a Straight Note - Note Secured by Deed of Trust. A standard Straight Note does not have monthly payments since this is a single large payment of both principal and interest due at maturity. Please clear this finding. - Seller-09/09/2025 | Resolved-Received Note. No payments required. - Due Diligence Vendor-09/10/2025<br>| CLTV is less than guidelines maximum - CLTV is 65.58% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 751 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5456737 |
| XXXX | 23041550 | XXXX D A C | Closed | FPRO1242 | 2025-09-09 06:38 | 2025-09-29 07:20 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br>Open-Appraisal is Missing Missing appraisal report for subject property. Valuation must meet guidelines-cannot be listed for sale. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - DTI of 27% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 42 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5461849 |
| XXXX | 23041550 | XXXX D A C | Closed | FPRO1257 | 2025-09-12 09:42 | 2025-09-29 07:20 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/17/2025<br>| Resolved-Primary Property Value is substantiated, either by the presence of an additional valuation within -10% variance to the Primary, or, if no additional valuations are present, the CU or LCA Score is equal to or less than 2.5. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - DTI of 27% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 42 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5514086 |
| XXXX | 23041550 | XXXX D A C | Closed | FCRE0200 | 2025-09-09 10:35 | 2025-09-19 15:00 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Twelve months mortgage statements were provided to show timely payments. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see attached 12 months mortgage statements from XXXX. Please clear this finding. - Seller-09/17/2025 <br> Counter-Received 1st lien Note. Please provide documentation to support the loan is not in Forbearance or Deferment. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 <br> Open-Missing recent mortgage statement for 1st lien note. Although borrower is not liable for the note, 1st lien loans in active forbearance or deferment are ineligible, unable to determine. - Due Diligence Vendor-09/09/2025 | Ready for Review-Document Uploaded. Please see attached 12 months mortgage statements from XXXX. Please clear this finding. - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/09/2025 | Resolved-Twelve months mortgage statements were provided to show timely payments. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below maximum allowed - DTI of 27% is less than the maximum allowed per guidelines of 50%<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 42 months |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5464630 |
| XXXX | 25860156 | XXXX C A | Closed | FCRE1317 | 2025-09-09 11:09 | 2025-10-07 13:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Verification of previous employment provided. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached documents which show the borrower was an Owner of XXXX which is also a XXXX XXXX. Per Guides, business used for income must be in business for a min of 1 year and borrower should be in the same line of work for at least 2 years. Docs provided support the borrower has been in XXXX XXXX since XXXX. - Seller-10/07/2025 <br> Counter-Please provide verification of the prior employment. Guidelines require 2 years of employment verified. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-The VOE section of the application already shows the start date for "XXXX" as XXXX. It also lists borrower's other self employment in the same line of work, "XXXX", for a full 2+ yr history since the start date for this employer is XXXX. - Seller-09/24/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months Per CPA letter in the file the borrowers have only been owner since XXXX - previous owners opened the company in XXXX - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Please see attached documents which show the borrower was an Owner of XXXXwhich is also a XXXX XXXX. Per Guides, business used for income must be in business for a min of 1 year and borrower should be in the same line of work for at least 2 years. Docs provided support the borrower has been in XXXX XXXX since XXXX. - Seller-10/07/2025 <br> Ready for Review-The VOE section of the application already shows the start date for "XXXX" as XXXX. It also lists borrower's other self employment in the same line of work, "XXXX", for a full 2+ yr history since the start date for this employer is XXXX. - Seller-09/24/2025 | Resolved-Verification of previous employment provided. - Due Diligence Vendor-10/07/2025<br>| On time mortgage history exceeds guideline requirement - Borrowers have 0X30 mortgage history reporting since 12/2020.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 25.87% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5465479 |
| XXXX | 25860156 | XXXX C A | Closed | FCRE0200 | 2025-09-09 10:13 | 2025-10-07 13:44 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-After further review, the borrower provided an LOX and the new debt is listed on the 1003. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-We kindly disagree as the LOE Letter provided provides the balance and payment for the new account. In addition, the 1003 includes the balance and liability and loan reflects a DTI of only 25.386%. Based on the low DTI and the account being accounted for, the missing statement is deemed immaterial and should not delay this loan from being cleared. - Seller-10/07/2025 <br> Open-Provide recent statement or credit supplement for new XXXX debt resulting from XXXX credit inquiry and not yet reporting to credit report or UDM.<br>- Due Diligence Vendor-09/09/2025 | Ready for Review-We kindly disagree as the LOE Letter provided provides the balance and payment for the new account. In addition, the 1003 includes the balance and liability and loan reflects a DTI of only 25.386%. Based on the low DTI and the account being accounted for, the missing statement is deemed immaterial and should not delay this loan from being cleared. - Seller-10/07/2025<br>| Resolved-After further review, the borrower provided an LOX and the new debt is listed on the 1003. - Due Diligence Vendor-10/07/2025<br>| On time mortgage history exceeds guideline requirement - Borrowers have 0X30 mortgage history reporting since 12/2020.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 25.87% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5464150 |
| XXXX | 29162437 | XXXX D A | Closed | FCRE1440 | 2025-09-02 12:01 | 2025-10-23 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Documentation to support the payment was paid provided. - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Open-Housing History Does Not Meet Guideline Requirements 1.Documentation is not provided to support the estimated monthly payment for the primary purchase currently in process, or for the funds needed for reserves and closing on that transaction. <br> 2. Per mortgage statement in the file for the subject - the payment is delinquent, no evidence in the file the payment was made current. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025<br>| Resolved-Documentation to support the payment was paid provided. - Due Diligence Vendor-09/08/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.64 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 749 is more than 20 points higher than the guideline min of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5380300 |
| XXXX | 29162437 | XXXX D A | Closed | FCOM1227 | 2025-09-02 11:41 | 2025-10-21 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider provided. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-PUD Rider provided. - Due Diligence Vendor-10/21/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.64 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 749 is more than 20 points higher than the guideline min of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5379405 |
| XXXX | 29162437 | XXXX D A | Closed | FCRE8201 | 2025-09-03 08:32 | 2025-09-22 17:03 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received PCCD confirming no escrows on subject loan. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Per guides Escrow accounts are ineligible, per CD the lender is escrowing for Flood insurance. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received PCCD confirming no escrows on subject loan. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 36.64 is less than the guideline max of 50.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 749 is more than 20 points higher than the guideline min of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5390661 |
| XXXX | 21400193 | XXXX D A | Closed | FCRE1316 | 2025-09-02 11:17 | 2025-09-08 16:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE - Due Diligence Vendor-09/08/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Final VOE for B1. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Received VOE - Due Diligence Vendor-09/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 qualifying FICO score, 700 minimum required.<br>Qualifying DTI below maximum allowed - 25.12% DTI, 50% max allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5378947 |
| XXXX | 21400193 | XXXX D A | Closed | FCRE7009 | 2025-09-02 10:57 | 2025-09-04 17:38 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Master Policy with Guaranteed Replacement cost. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Subject is an attached PUD, which has guaranteed replacement cost - Seller-09/03/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not cover both mortgage amounts combined - Replacement cost estimator not provided. - Due Diligence Vendor-09/02/2025 | Ready for Review-Subject is an attached PUD, which has guaranteed replacement cost - Seller-09/03/2025<br>| Resolved-Received Master Policy with Guaranteed Replacement cost. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 qualifying FICO score, 700 minimum required.<br>Qualifying DTI below maximum allowed - 25.12% DTI, 50% max allowed. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5378677 |
| XXXX | 21400193 | XXXX D A | Closed | FCRE1173 | 2025-09-02 10:57 | 2025-09-04 17:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Condo Master Insurance Policy is fully present - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Missing Condo Master Insurance Policy Missing Master Liability coverage for attached PUD. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Received Condo Master Insurance Policy is fully present - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 qualifying FICO score, 700 minimum required.<br>Qualifying DTI below maximum allowed - 25.12% DTI, 50% max allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5378678 |
| XXXX | 21400193 | XXXX D A | Closed | FCRE5782 | 2025-09-02 11:22 | 2025-09-04 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report for both B1 and B2 - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 777 qualifying FICO score, 700 minimum required.<br>Qualifying DTI below maximum allowed - 25.12% DTI, 50% max allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5379069 |
| XXXX | 28938911 | XXXX D A C | Closed | finding-47 | 2025-09-03 10:29 | 2025-10-17 10:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Counter-----Received initialed by borrower Corrected ROR. Finding still Stands. File cannot fund until after midnight on XXXX per the ROR. Per the final CD in file, file funded on XXXX. We need a PCCD that shows that the file funded after XXXX. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Counter-------The corrected ROR was not initialed by the borrower for the correction. The correction is still wrong, as the loan funded on XXXX, per the Final CD, and per the ROR cannot fund prior to Midnight on XXXX or XXXX. Please provide a PCCD with proof the file did not fund prior to the ROR Cancel date. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Counter------The ROR in file has the hand written and initialed cancel date of XXXX. Therefore we need a PCCD that shows the file disbursed after the ROR cancel date. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-This is incorrect. Borrower signed XXXX and per XXXX calendar, recission ends XXXX and therefore earliest funding is XXXX. - Seller-10/03/2025 <br> Counter-Received Settlement Statement with disbursement date of XXXX. Right to Cancel date is midnight of XXXX. Provide PCCD with disbursement date after cancel date. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Ready for Review-This is incorrect. Borrower signed XXXX and per XXXX calendar, recission ends XXXX and therefore earliest funding is XXXX. - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/17/2025 | CLTV is less than guidelines maximum - Qualifying CLTV 77.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392700 |
| XXXX | 28938911 | XXXX D A C | Closed | FVAL1039 | 2025-09-04 15:06 | 2025-10-01 18:33 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Received Field Review. Value Supported. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-Unable to waive value findings. Please provide a Field Review or Second Appraisal. - Due Diligence Vendor-09/12/2025 <br> Ready for Review-Requesting exception: Desk review valued at XXXX was provided in file even though guides do not require. Desk review shows an appraised value of XXXX which conflicts with the actual appraisal valued at XXXX and variance is > 10%. A field review or second appraisal is required. - Seller-09/11/2025 <br> Open-Desk review valued at XXXX was provided in file even though guides do not require. Desk review shows an appraised value of XXXX which conflicts with the actual appraisal valued at XXXX and variance is > 10%. A field review or second appraisal is required. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Ready for Review-Requesting exception: Desk review valued at XXXX was provided in file even though guides do not require. Desk review shows an appraised value of XXXX which conflicts with the actual appraisal valued at XXXX and variance is > 10%. A field review or second appraisal is required. - Seller-09/11/2025 | Resolved-Received Field Review. Value Supported. - Due Diligence Vendor-10/01/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 77.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5415549 |
| XXXX | 28938911 | XXXX D A C | Closed | FCRE5782 | 2025-09-04 11:58 | 2025-09-09 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing required gap credit report dated within 10 days of closing as required per TLS guide section 502. Additional findings may apply. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Received UDM - Due Diligence Vendor-09/09/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 77.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5411529 |
| XXXX | 28938911 | XXXX D A C | Closed | FCRE1510 | 2025-09-03 10:04 | 2025-09-09 17:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/08/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description is missing from DOT. - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/08/2025<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-09/09/2025<br>| CLTV is less than guidelines maximum - Qualifying CLTV 77.16%; max 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 793; minimum required 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5392149 |
| XXXX | 23864608 | XXXX D B A | Closed | FCRE5782 | 2025-09-05 06:39 | 2025-09-09 17:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-09/09/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit missing and not reflected on Fraud Report. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Received UDM - Due Diligence Vendor-09/09/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 45.14 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 758. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5422685 |
| XXXX | 23864608 | XXXX D B A | Closed | FPRO1249 | 2025-09-05 06:20 | 2025-09-05 10:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted to allow rural property. Non-material waiver applied with comp factors. Deemed non-material due to marketing time under 3 months and only XXXX property. - Due Diligence Vendor-09/05/2025 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural property - Due Diligence Vendor-09/05/2025 |  | Waived-Originator exception granted to allow rural property. Non-material waiver applied with comp factors. Deemed non-material due to marketing time under 3 months and only XXXX property. - Due Diligence Vendor-09/05/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 45.14 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680; qualifying FICO is 758. | FICO higher than740, AND at least 20 points higher than guideline maximum.<br> Monthly reserves are verified AND at least 4 months more than guideline minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5422543 |
| XXXX | 22009944 | XXXX C A | Closed | FCRE5790 | 2025-09-11 07:48 | 2025-09-26 15:42 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/22/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Fraud Report needs to be rerun - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 790<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5496737 |
| XXXX | 22009944 | XXXX C A | Closed | finding-47 | 2025-09-10 13:03 | 2025-09-24 10:11 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD issued XXXX. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Updated CD uploaded - Seller-09/22/2025 <br> Counter-Received confirmation that loan disbursed on XXXX however, the final CD states the disbursement date was XXXX. Please provide an updated CD with the correct disbursement date. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Disagree with the finding. Closing package reflected on the XXXX the dates were corrected and for a signing date of XXXX. Rescission was up at midnight on XXXX and we did not Fund/request the wire until XXXX. Full LOE with documented timelines uploaded - Seller-09/15/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Updated CD uploaded - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Disagree with the finding. Closing package reflected on the NORTC the dates were corrected and for a signing date of XXXX. Rescission was up at midnight on XXXX and we did not Fund/request the wire until XXXX. Full LOE with documented timelines uploaded - Seller-09/15/2025 | Resolved-Rec'd PCCD issued XXXX. - Due Diligence Vendor-09/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 790<br>Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 29.38% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5486872 |
| XXXX | 27630532 | XXXX D A | Closed | FCRE5770 | 2025-09-12 09:12 | 2025-09-23 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received borrower 1 Credit Report. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see page 124 of initial packet uploaded, also attached anew - Seller-09/20/2025 <br>Counter-Received credit report-missing fraud validation-fraud alert noted on credit report. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-Borrower 1 Credit Report is Missing. Credit Report not found in uploaded documents - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see page 124 of initial packet uploaded, also attached anew - Seller-09/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received borrower 1 Credit Report. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 23%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 16.94 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5513639 |
| XXXX | 27630532 | XXXX D A | Closed | FCRE1506 | 2025-09-12 11:12 | 2025-09-17 11:29 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Please see attached - Seller-09/15/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing credit report. - Due Diligence Vendor-09/12/2025 | Ready for Review-Please see attached - Seller-09/15/2025<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 23%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 16.94 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5515980 |
| XXXX | 27630532 | XXXX D A | Closed | FCRE1197 | 2025-09-12 09:21 | 2025-09-17 11:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Received credit report. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025 <br>Open-Audited FICO of is less than Guideline FICO of 660 Fico score unknown without credit report - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/15/2025<br>| Resolved-Received credit report. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50%, borrowers DTI is 23%<br>Months Reserves exceed minimum required - 0 reserves required, borrower has 16.94 documented |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5513778 |
| XXXX | 21419048 | XXXX D A C | Closed | FCRE1316 | 2025-09-12 22:03 | 2025-10-16 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached located VVOE - Seller-10/15/2025 <br> Counter-Received VOE dated XXXX. Please provide VOM dated within 10 days of close for all Salaried borrowers. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. B2 VVOE uploaded - Seller-10/03/2025 <br> Ready for Review-Document Uploaded. B1 VVOE - Seller-10/03/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing A verbal VOE from each employer within 10-days of the note date for wage and salaried employees - MISSING - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. Please see attached located VVOE - Seller-10/15/2025 <br>Ready for Review-Document Uploaded. B2 VVOE uploaded - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. B1 VVOE - Seller-10/03/2025<br>| Resolved-Received VVOE - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 701 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Qualifying Total Reserves 4.48 months are higher than 0 months required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5525945 |
| XXXX | 21419048 | XXXX D A C | Closed | FCOM9998 | 2025-09-12 09:23 | 2025-09-16 11:03 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved-Received corrected PCCD XXXX. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached Corrected Final CD uploaded - Seller-09/15/2025 <br> Open------ Cash to Close on pg 1 of final CD does not match on pg 3 - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. Please see attached Corrected Final CD uploaded - Seller-09/15/2025<br>| Resolved-Received corrected PCCD XXXX. - Due Diligence Vendor-09/16/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 701 is higher than 660 minimum required <br>Months Reserves exceed minimum required - Qualifying Total Reserves 4.48 months are higher than 0 months required |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5513794 |
| XXXX | 20060064 | XXXX C A | Closed | FCRE1293 | 2025-09-15 10:22 | 2025-09-26 15:10 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received HOI for REO - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-09/24/2025 <br> Open-Income 2 Months Income Verified is Missing Missing HOI for REO (XXXX) - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-09/24/2025<br>| Resolved-Received HOI for REO - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 749<br>Months Reserves exceed minimum required - 61 mths reserves; 0 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5534563 |
| XXXX | 28082574 | XXXX D A | Closed | FCRE1325 | 2025-09-15 11:06 | 2025-10-31 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see P&Ls are signed and dated by tax reviewer and updated 10.22 letter states - also I reviewed the business financial statements for last two years, and XXXX is the 100 percent shareholder of XXXX, located at XXXX. Please clear or if not cleared, please escalate for manager review - Seller-10/29/2025 <br> Counter-Received CPA letter reflecting The business name, borrower's name, and percentage of business ownership by the borrower. Missing CPA acknowledgement that financials were provided for P&Ls. Guideline 8.8.2 Alt-Doc: P&L Only Requirements and Documentation CPA/CTEC/EA must attest that they have reviewed the business financial statements or working papers provided by the borrower to provide the profit and loss. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Lender notes the loan has been approved with 8.15.2025 CTEC letter provided verifies (attests) Business used to qualify, Confirms (attests) said business is active and borrower is one hundred percent shareholder of XXXX along with the P&L documentation, all signed and dated by business & Tax consultant CTEC XXXX. Please see attached and clear finding - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached<br> - Seller-10/24/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter received is missing the required attestation that the CTEC had reviewed the business financial statements or working papers provided by the borrower to supply the P&Ls. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please see P&Ls are signed and dated by tax reviewer and updated XXXX letter states - also I reviewed the business financial statements for last two years, and XXXX is the 100 percent shareholder of XXXX, located at XXXX. Please clear or if not cleared, please escalate for manager review - Seller-10/29/2025 <br> Ready for Review-Document Uploaded. Lender notes the loan has been approved with 8.15.2025 CTEC letter provided verifies (attests) Business used to qualify, Confirms (attests) said business is active and borrower is one hundred percent shareholder of XXXX along with the P&L documentation, all signed and dated by business & Tax consultant CTEC XXXX. Please see attached and clear finding - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached<br> - Seller-10/24/2025 | Resolved-Received CPA Letter. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 34.10%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 41 months; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5535756 |
| XXXX | 28082574 | XXXX D A | Closed | FCRE7009 | 2025-09-15 10:55 | 2025-10-22 13:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE confirming coverage XXXX - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Lender notes material cost details are not a requirement and Lender does not discourage nor encourages borrower's coverage as estimated by the insurance companies themselves - Seller-10/20/2025 <br> Counter-Please provide documentation to support reason for the decrease for Interior Finish. Interior Finish: XXXX reporting on the RCE in the loan file, the RCE provided states Interior Finish: XXXX - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. Please see attached RCE matching the Loan amount - Seller-10/14/2025 <br> Counter-No document uploaded. Guideline requires coverage amount of XXXX. Minimum state extended coverage required is 10%, which would not be sufficient. Please provide proof if sufficient coverage. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-The policy includes extended replacement cost as noted on the Certificate of Insurance. Please waive finding - Seller-10/03/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing sufficient hazard insurance coverage. Dwelling of XXXX is less than the RCE amount of XXXX and less than the UPB of all liens XXXX. - Due Diligence Vendor-09/15/2025 | Ready for Review-Lender notes material cost details are not a requirement and Lender does not discourage nor encourages borrower's coverage as estimated by the insurance companies themselves - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached RCE matching the Loan amount - Seller-10/14/2025 <br>Ready for Review-The policy includes extended replacement cost as noted on the Certificate of Insurance. Please waive finding - Seller-10/03/2025<br>| Resolved-Received RCE confirming coverage XXXX - Due Diligence Vendor-10/22/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 34.10%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 41 months; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5535434 |
| XXXX | 28082574 | XXXX D A | Closed | FCRE1202 | 2025-09-15 11:18 | 2025-09-23 14:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received XXXX - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-09/20/2025 <br> Open-Third Party Fraud Report Partially Provided Missing evidence that EPLS hit with is not the borrower. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. Please see attached, Thank you - Seller-09/20/2025<br>| Resolved-Received XXXX - Due Diligence Vendor-09/23/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 34.10%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 41 months; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5536115 |
| XXXX | 28082574 | XXXX D A | Closed | FCRE0113 | 2025-09-15 10:49 | 2025-09-23 14:30 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, lender did not revise the HOA amount. Lender used higher HOA due for qualification. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. please see attached, it appears UW never updated the HOA to match the Appraisal. Please clear, thank you - Seller-09/20/2025 <br> Counter-1) Electronic signature by appraiser deemed acceptable. 2) Provide documentation for the XXXX per month HOA dues. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Lender Notes, 1) signature is consistent without any proof of it not being the Appraiser legal signature. There is no evidence provided of the signature being invalid and cannot enforce signatures to be corrected without proof of it being otherwise, and 2) loan has qualified the borrower with the correct XXXX HOA dues amount, no correction is needed - Seller-09/16/2025 <br> Open-Missing appraisal with appraiser's complete signature (called out by CDA Reviewer as well) and updated HOA dues of XXXX per month as qualified by the Originator (appraisal shows only XXXX per month). - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. please see attached, it appears UW never updated the HOA to match the Appraisal. Please clear, thank you - Seller-09/20/2025 <br> Ready for Review-Lender Notes, 1) signature is consistent without any proof of it not being the Appraiser legal signature. There is no evidence provided of the signature being invalid and cannot enforce signatures to be corrected without proof of it being otherwise, and 2) loan has qualified the borrower with the correct XXXX dues amount, no correction is needed - Seller-09/16/2025 | Resolved-Upon further review, lender did not revise the HOA amount. Lender used higher HOA due for qualification. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 34.10%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 41 months; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5535309 |
| XXXX | 28082574 | XXXX D A | Closed | FCRE9488 | 2025-09-15 10:49 | 2025-09-18 16:30 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Occupancy red flags were addressed in file. Both the primary and second home do not have homestead exemptions. DataVerify reflects the subject as a primary. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Disagree, invalid finding due to Lender notes Loan purpose is to refinance not purchase of Subject property and has had this property for over 4 years. The XXXX property located at XXXX is being retained as 2nd home which is expected to be occupied for at a minimum part of the year. Commute is accounted for with having a 2nd home is considered to be occupied as prescribed by investor guidelines, this concern was addressed by credit analyst and noted commute on the 1008" Home in XXXX is superior to 2nd home in XXXX. No Red flag for occupancy as borrower probably goes back and forth since business is located in XXXX.". Please clear this finding, already addressed and documented. - Seller-09/16/2025 <br> Open-Subject does not appear to be owner occupied. The subject property is nearly XXXX from the borrower's self-employment which is well beyond traditional/average commuting distances for the area. XXXX is located less than XXXX miles from the borrower's self-employment. Per business narrative the borrower has 2 contract workers only. Per P&L there are no wage or contractor wages paid and very minimal Outside Services paid; the total is insufficient to support that the borrower remotely works and others handle the hands on work (the line of work is all hands on). Appraisal shows owner occupied but photos show no clothes in any of the closets, no signs of occupancy/regular usage in the kitchen, bathrooms, or any other room in the home and shows signs of potential use as a short term rental. Per 1003 borrower has been at the subject for 4 years and no homeowners exemption is claimed on the more expensive home owned. Both credit and fraud shows borrower at both addresses. Per property profile borrower added another party to title at XXXX as of XXXX. Additional findings may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Disagree, invalid finding due to Lender notes Loan purpose is to refinance not purchase of Subject property and has had this property for over 4 years. The REO XXXX property located at XXXX is being retained as 2nd home which is expected to be occupied for at a minimum part of the year. Commute is accounted for with having a 2nd home is considered to be occupied as prescribed by investor guidelines, this concern was addressed by credit analyst and noted commute on the 1008" Home in XXXX is superior to 2nd home in XXXX. No Red flag for occupancy as borrower probably goes back and forth since business is located in XXXX.". Please clear this finding, already addressed and documented. - Seller-09/16/2025 | Resolved-Occupancy red flags were addressed in file. Both the primary and second home do not have homestead exemptions. DataVerify reflects the subject as a primary. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 34.10%; max 50%<br>Months Reserves exceed minimum required - Qualifying reserves 41 months; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5535279 |
| XXXX | 27724758 | XXXX C A | Closed | finding-47 | 2025-09-17 00:42 | 2025-09-19 09:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Please see Page120, Loan Funded XXXX. Also Please see attached - Seller-09/17/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see Page120, Loan Funded XXXX. Also Please see attached - Seller-09/17/2025 | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 753 <br>Qualifying DTI below maximum allowed - DTI ratio is 42.08%, maximum DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5563069 |
| XXXX | 24302342 | XXXX C A | Closed | FCRE1437 | 2025-09-16 15:22 | 2025-11-05 12:07 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-LOX and proof of rental receipt and security deposit received. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please escalate this for manager review, Lender notes the provided email correspondence is from the Borrower clarifying about the tenants and their agreed terms. Also, same correspondence verifies the two XXXX transactions are for security deposit and rents paid from the same XXXX deposits under the specified name "XXXX". In conjunction, this satisfies the requirement to verify "proof of receipt of the rental and security deposit" for the lease dated 7.12.2025. Please clear defect - Seller-11/04/2025 <br> Counter-Received email regarding rents and security deposit--other party is not noted on Lease and Lease commencement is XXXX. Missing proof of receipt of the rental and security deposit for the new lease. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. please see explanation "The rental agreement is made with XXXX but the rent payment was made by XXXX, who also occupies the rental but is not on the lease agreement. <br>The borrower also mentions the discrepancy in deposit and rent amount collection. Because they move in part way through the month, he had agreed to a XXXX reduction in rent for the 1st partial month. So XXXX was collected instead of XXXX." - Seller-10/30/2025 <br> Open-Income and Employment Do Not Meet Guidelines Missing proof of receipt of the rental and security deposit for the new lease. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. Please escalate this for manager review, Lender notes the provided email correspondence is from the Borrower clarifying about the tenants and their agreed terms. Also, same correspondence verifies the two XXXX& XXXX transactions are for security deposit and rents paid from the same XXXX deposits under the specified name "XXXX". In conjunction, this satisfies the requirement to verify "proof of receipt of the rental and security deposit" for the lease dated XXXX. Please clear defect - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. please see explanation "The rental agreement is made with XXXX but the rent payment was made by XXXX, who also occupies the rental but is not on the lease agreement. <br>The borrower also mentions the discrepancy in deposit and rent amount collection. Because they move in part way through the month, he had agreed to a XXXX reduction in rent for the 1st partial month. So XXXX was collected instead of XXXX." - Seller-10/30/2025 | Resolved-LOX and proof of rental receipt and security deposit received. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths- Borrower has 32.37 mths in reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 700- Borrower's FICO 735 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5558974 |
| XXXX | 21295547 | XXXX C A | Closed | FCRE1195 | 2025-09-22 12:16 | 2026-01-21 15:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-The max CLTV for the the subject loan is 90%, subject is full doc, primary residence with a loan amount of XXXX and a score for grading of 740.<br> - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Max CLTV guidelines is 90%; Primary residence, full doc, credit score 740, l/a XXXX; Please waive condition - Seller-09/22/2025 <br> Open-Audited CLTV of 86.24% exceeds Guideline CLTV of 85% \*New\* Received revised appraisal reflecting lower value--CLT now exceeds 85% - Due Diligence Vendor-09/22/2025 | Ready for Review-Max CLTV guidelines is 90%; Primary residence, full doc, credit score 740, l/a XXXX; Please waive condition - Seller-09/22/2025 | Resolved-The max CLTV for the the subject loan is 90%, subject is full doc, primary residence with a loan amount of XXXX and a score for grading of 740.<br> - Due Diligence Vendor-01/21/2026 | Months Reserves exceed minimum required - 2.83 months reserves. Guideline requires 0.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740. Guideline min 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5620234 |
| XXXX | 21295547 | XXXX C A | Closed | FCRE0970 | 2025-09-10 10:59 | 2025-09-30 10:34 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Received updated CDA reflecting lower value. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. Uploaded updated CDA - Seller-09/26/2025 <br> Counter-Received previous desk review-provide updated desk review as appraised value has changed. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. Uploaded copy of CDA supporting appraised value of XXXX (w/in 10% tolerance) - Seller-09/22/2025 <br> Counter-Received revised appraisal-value lower--provide desk review supporting new value. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Copy of updated appraisal uploaded reflecting removal of XXXX solar panel adjustment - Seller-09/18/2025 <br> Open-Appraisal to remove the XXXX adjustment for the solar. The solar is not owned, solar is PPA. Per guidelines, the value of the solar panels cannot be included in the appraised value. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. Uploaded updated CDA - Seller-09/26/2025 <br> Ready for Review-Document Uploaded. Uploaded copy of CDA supporting appraised value of XXXX (w/in 10% tolerance) - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Copy of updated appraisal uploaded reflecting removal of XXXX solar panel adjustment - Seller-09/18/2025 | Resolved-Received updated CDA reflecting lower value. - Due Diligence Vendor-09/30/2025<br>| Months Reserves exceed minimum required - 2.83 months reserves. Guideline requires 0.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 740. Guideline min 700. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5482804 |
| XXXX | 24801232 | XXXX D A C | Closed | FCRE7497 | 2025-09-11 13:49 | 2025-09-22 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received confirmation no HOA. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Counter-Received mortgage statement confirming escrowed-missing confirmation no HOA. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Missing evidence of TIA for REO 3A as reflected on Final 1003. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received confirmation no HOA. - Due Diligence Vendor-09/22/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 38.76 months.<br>CLTV is less than guidelines maximum - 73.50% CLTV below max allowed of 85% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5504571 |
| XXXX | 24801232 | XXXX D A C | Closed | FCRE5782 | 2025-09-11 07:56 | 2025-09-18 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 38.76 months.<br>CLTV is less than guidelines maximum - 73.50% CLTV below max allowed of 85% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5496827 |
| XXXX | 24801232 | XXXX D A C | Closed | FCOM3605 | 2025-09-10 17:12 | 2025-09-17 10:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD XXXX with proof of delivery. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Missing Initial CD, please provide. Additional findings may apply upon receipt. - Due Diligence Vendor-09/10/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received initial CD XXXX with proof of delivery. - Due Diligence Vendor-09/17/2025 | Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 38.76 months.<br>CLTV is less than guidelines maximum - 73.50% CLTV below max allowed of 85% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5492171 |
| XXXX | 20537991 | XXXX D B A | Closed | FCRE6019 | 2025-09-18 11:39 | 2025-09-23 13:13 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Citizenship Documentation Not Provided | Waived-Originator exception granted to allow the borrower's Visa, which will expire within six (6) months of the loan closing date. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Counter-Vista Point Mortgage guidelines state - • Visa must be current. If the visa will expire within six (6) months of the loan closing date, additional documentation is required. Document that extension steps and fees paid as shown by the USCIS website - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see attached, valid / unexpired XXXX. Guideline requires a Valid Card - Seller-09/18/2025 <br> Open-Borrower Citizenship Documentation Is Missing Visa will expire within six (6) months of the loan closing date. Missing documentation that extension steps and fees paid as shown by the XXXX website. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. Disagree, Please see attached, valid / unexpired XXXX. Guideline requires a Valid Card - Seller-09/18/2025 | Waived-Originator exception granted to allow the borrower's XXXX, which will expire within six (6) months of the loan closing date. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-09/23/2025 | Qualifying DTI below maximum allowed - Max 50% DTI-- Borrower's DTI 33.57%<br>Months Reserves exceed minimum required - 37.37 mos reserves; 0 required | 5+ years Verified employment history exceeds guidelines <br> Qualifying DTI 5% below maximum allowed | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5586856 |
| XXXX | 20537991 | XXXX D B A | Closed | FCRE1157 | 2025-09-18 10:06 | 2025-09-22 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/18/2025 <br>Open-Missing Hazard Insurance Policy Missing the Hazard Insurance Policy for the subject. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. please see attached - Seller-09/18/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-09/22/2025<br>| Qualifying DTI below maximum allowed - Max 50% DTI-- Borrower's DTI 33.57%<br>Months Reserves exceed minimum required - 37.37 mos reserves; 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5583864 |
| XXXX | 29594325 | XXXX D B C A | Closed | finding-3652 | 2025-09-11 16:40 | 2025-09-24 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Rec'd lock confirmation, coc previously received. Finding resolved. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. The exception caused the lender credits to change, attached the lock to evidence the change - Seller-09/23/2025 <br> Counter-Received COC XXXX, reason for change, borrower request. Provide detailed explanation requested by borrower that decreased lender credit fee. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. The exception caused the lender credits to change, attached the lock to evidence the change - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Rec'd lock confirmation, coc previously received. Finding resolved. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 17.64%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 800, minimum score required is 680.<br>CLTV is less than guidelines maximum - 59.70% CLTV ratio, 85% maximum CLTV allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5507918 |
| XXXX | 29594325 | XXXX D B C A | Closed | finding-3634 | 2025-09-11 16:40 | 2025-09-24 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd lock confirmation, coc previously received. Finding resolved. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Pricing changed due to exception, lock attached for review - Seller-09/23/2025 <br> Counter-Received COC XXXX, reason for change, borrower request. Provide detailed explanation requested by borrower that increased fees. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/15/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Loan Amount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, expiration date is XXXX. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Pricing changed due to exception, lock attached for review - Seller-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Rec'd lock confirmation, coc previously received. Finding resolved. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 17.64%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 800, minimum score required is 680.<br>CLTV is less than guidelines maximum - 59.70% CLTV ratio, 85% maximum CLTV allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5507919 |
| XXXX | 29594325 | XXXX D B C A | Closed | FCOM1220 | 2025-09-11 12:09 | 2025-09-18 10:52 | Resolved | 1 - Information D A | Credit | Missing Doc | The Deed of Trust is Missing | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/15/2025 <br>Open-The Deed of Trust is Missing Missing Deed of Trust/Mortgage. DOT/Mortgage subject to review and additional conditions may apply. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/15/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 17.64%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 800, minimum score required is 680.<br>CLTV is less than guidelines maximum - 59.70% CLTV ratio, 85% maximum CLTV allowed. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5502519 |
| XXXX | 29594325 | XXXX D B C A | Closed | FCRE1441 | 2025-09-15 10:58 | 2025-09-15 13:35 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client waiver applied to non-material finding with compensating factors. First mortgage deferral is 2 months from 4-year seasoning requirement and borrower has demonstrated 0x30x32 months on first lien. - Due Diligence Vendor-09/17/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements First lien payment deferral agreement in file, dated XXXX. Lender exception in file for not meeting minimum 4 year seasoning requirement. - Due Diligence Vendor-09/15/2025 |  | Waived-Client waiver applied to non-material finding with compensating factors. First mortgage deferral is 2 months from 4-year seasoning requirement and borrower has demonstrated 0x30x32 months on first lien. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 17.64%; max permitted 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is 800, minimum score required is 680.<br>CLTV is less than guidelines maximum - 59.70% CLTV ratio, 85% maximum CLTV allowed. | LTV 29.429%, CLTV 59.733%<br> 800 FICO score <br> Monthly reserves <br> DTI 18%<br> Housing 0x30x24<br> Same Job 23 years<br> Residual income more than XXXX per month |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | 5535512 |
| XXXX | 24160568 | XXXX C A | Closed | finding-3634 | 2025-09-11 17:35 | 2025-09-17 12:14 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC for increase in points. Finding resolved. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. uploaded COC for final CD - Seller-09/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Loan Discount Points) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 years, XXXX - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. uploaded COC for final CD - Seller-09/16/2025<br>| Resolved-Rec'd COC for increase in points. Finding resolved. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - DTI 37.35%. Max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 681. Guideline min 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5508758 |
| XXXX | 24160568 | XXXX C A | Closed | FCRE7009 | 2025-09-12 13:33 | 2025-09-17 12:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-After further review, the policy includes law and ordinance coverage of 25%. Coverage is sufficient. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-EOI provided with credit file does include Additional Coverage 'Law and Ordinance: 25% of Coverage A'. This puts dwelling coverage at XXXX.<br> - Seller-09/17/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. evidence that Dwelling coverage is 100% of the cost to rebuild. Policy does not state and appraisal cost to rebuild is higher than dwelling coverage. - Due Diligence Vendor-09/12/2025 | Ready for Review-EOI provided with credit file does include Additional Coverage 'Law and Ordinance: 25% of Coverage A'. This puts dwelling coverage at XXXX.<br> - Seller-09/17/2025 | Resolved-After further review, the policy includes law and ordinance coverage of 25%. Coverage is sufficient. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below maximum allowed - DTI 37.35%. Max DTI 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 681. Guideline min 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5519382 |
| XXXX | 24698184 | XXXX D A | Closed | FCRE5782 | 2025-09-15 11:35 | 2025-09-18 10:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received UDM - Due Diligence Vendor-09/18/2025<br>| CLTV is less than guidelines maximum - CLTV is 70.79% and max allowed is 85%<br>Qualifying DTI below maximum allowed - DTI is 22.87% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5537067 |
| XXXX | 24782772 | XXXX D B C A | Closed | FPRO1249 | 2025-09-15 12:50 | 2025-10-01 18:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator provided a waiver for property location, applied to non material finding with comp factors - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-09/30/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural subject properties are ineligible for the NQM Flex Equity Income product - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>| Waived-Originator provided a waiver for property location, applied to non material finding with comp factors - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 819 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 50% | FICO higher than 740, AND at least 20 points higher than guideline minimum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5538784 |
| XXXX | 24782772 | XXXX D B C A | Closed | FCRE8611 | 2025-09-16 11:01 | 2025-10-01 18:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received 24+ months verification of employment. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-24 months of employment verification is required for securitization. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Guidelines state: "Employment History - A minimum history of 2 years of employment is recommended" this is not needed but recommended and we can proceed. - Seller-09/26/2025 <br> Counter-Income to be documented to guidelines 704-verification of 2 years employment required. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Please advise where this is reflected in guidelines, that we need to provide prior VOE information if we have a borrower who is currently employed. - Seller-09/24/2025 <br> Counter-Verification of current and previous employment dates required-finding remains. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Guidelines on page 47 state: "Newly Employed<br> For a newly employed borrower that has received income for less than 2 years, the income may be considered as acceptable <br> income, as long as the borrower's employment profile on the URLA covers an acceptable 2-year history, which may indicate <br> school or training program." The 1003 indicates they have work going back to XXXX - Seller-09/22/2025 <br> Counter-Income to be documented to guidelines 704-verification of 2 years employment required. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-We do not require prior employment dates, as borrower has current employment that was sourced and confirmed - Seller-09/17/2025 <br> Open-Missing verification of employment with exact start and end dates for prior employment with XXXX and XXXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Ready for Review-Guidelines state: "Employment History - A minimum history of 2 years of employment is recommended" this is not needed but recommended and we can proceed. - Seller-09/26/2025 <br> Ready for Review-Please advise where this is reflected in guidelines, that we need to provide prior VOE information if we have a borrower who is currently employed. - Seller-09/24/2025 <br> Ready for Review-Guidelines on page 47 state: "Newly Employed<br> For a newly employed borrower that has received income for less than 2 years, the income may be considered as acceptable <br> income, as long as the borrower's employment profile on the URLA covers an acceptable 2-year history, which may indicate <br> school or training program." The 1003 indicates they have work going back to XXXX - Seller-09/22/2025 <br> Ready for Review-We do not require prior employment dates, as borrower has current employment that was sourced and confirmed - Seller-09/17/2025 | Resolved-Received 24+ months verification of employment. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 819 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5552258 |
| XXXX | 24782772 | XXXX D B C A | Closed | FCOM3605 | 2025-09-11 12:36 | 2025-09-19 09:52 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received initial CD XXXX, finding resolved. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/17/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received initial CD XXXX, finding resolved. - Due Diligence Vendor-09/19/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 819 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5503019 |
| XXXX | 24782772 | XXXX D B C A | Closed | FCRE5782 | 2025-09-15 13:15 | 2025-09-18 17:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 819 and minimum allowed is 680<br>Qualifying DTI below maximum allowed - DTI is 37.44% and max allowed is 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5539356 |
| XXXX | 25916069 | XXXX D A | Closed | FCRE1108 | 2025-09-13 17:58 | 2025-10-15 16:33 | Resolved | 1 - Information C A | Credit | Closing | Calculated Initial Payment and Initial Principal and Interest Payment do not match | Resolved-Received corrected Note and 1st payment letter. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Counter-Reviewed calculated P&I is XXXX. Also, approval/lock/first payment letter, etc. will need to be provided. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Can you confirm the correct P&I amount? Per the previous comment, we were under the impression correct amount for the NOTE should be XXXX. Which is what we had mailed over and uploaded. - Seller-10/07/2025 <br> Counter-Received revised Note-P&I does not appear correct. XXXX, as reflecting on closing instructions received and manual calculation is the correct P&I. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Calculated Initial P&I Payment Amount does not match Initial P&I Payment Amount (Variance exceeds $0.01) 1. Note in file reflects a monthly principal and interest payment of XXXX; however, per the terms provided on the Note, the correct monthly payment should be XXXX. Please provide a corrected Note. Addtional conditions may apply as the corrected P&I payment directly affects the DSCR calculation.<br> 2. Lender to provide additional updated documents (approval/lock/first payment letter, etc.) as all documents reflect the incorrect P&I payment based on the payment provided on the Note. - Due Diligence Vendor-09/13/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Ready for Review-Can you confirm the correct P&I amount? Per the previous comment, we were under the impression correct amount for the NOTE should be XXXX. Which is what we had mailed over and uploaded. - Seller-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 | Resolved-Received corrected Note and 1st payment letter. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801; guidelines require 720. <br>Months Reserves exceed minimum required - Borrower provided additional assets totaling 5 months of reserves. <br>CLTV is less than guidelines maximum - 74.12% CLTV ratio, 80% maximum LTV allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5528834 |
| XXXX | 25916069 | XXXX D A | Closed | FCRE9999 | 2025-09-16 10:51 | 2025-10-15 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Legal document incorrect or has issues | Resolved-Received corrected CD - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Counter-Received closing instructions-please provide correct CD. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Corrected CD has been attached. All other documents such as the first payment letter have the correct payment amount. - Seller-09/25/2025 <br> Open-Per final Closing Disclosure, the Loan Terms Monthly Principal & Interest payment is XXXX; however, the Projected Payments section lists the Principal & Interest payment as XXXX. It should be noted, the correct monthly P&I payment is XXXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025 <br>Ready for Review-Document Uploaded. Corrected CD has been attached. All other documents such as the first payment letter have the correct payment amount. - Seller-09/25/2025<br>| Resolved-Received corrected CD - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801; guidelines require 720. <br>Months Reserves exceed minimum required - Borrower provided additional assets totaling 5 months of reserves. <br>CLTV is less than guidelines maximum - 74.12% CLTV ratio, 80% maximum LTV allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5552038 |
| XXXX | 25916069 | XXXX D A | Closed | FCOM1351 | 2025-09-15 14:48 | 2025-09-26 09:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received guaranty agreement. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. The subject property is vested in an entity and the required Guaranty Agreement is missing. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received guaranty agreement. - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 801; guidelines require 720. <br>Months Reserves exceed minimum required - Borrower provided additional assets totaling 5 months of reserves. <br>CLTV is less than guidelines maximum - 74.12% CLTV ratio, 80% maximum LTV allowed. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5541396 |
| XXXX | 26090465 | XXXX C A | Closed | FCRE1193 | 2025-09-15 15:28 | 2025-10-07 12:51 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received validation of rents-dti acceptable - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Counter-Image uploaded is not legible-please upload as PDF full page. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. the subject rental hit is at 25% already - Seller-09/18/2025 <br>Open-Audited DTI of 55.59% exceeds Guideline DTI of 50% ; DTI excessive due to subject rental hit with 25% vacancy factor which caused dti issue. - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Ready for Review-Document Uploaded. the subject rental hit is at 25% already - Seller-09/18/2025<br>| Resolved-Received validation of rents-dti acceptable - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 707 ; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30x27 on time mortgage history. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5542412 |
| XXXX | 26090465 | XXXX C A | Closed | FCRE0044 | 2025-09-17 13:48 | 2025-09-22 17:39 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry letter. - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. - Seller-09/19/2025 <br>Open-LOX for credit inquiries is missing. Missing LOX for inquries. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Received credit inquiry letter. - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 707 ; minimum score 680.<br>On time mortgage history exceeds guideline requirement - 0x30x27 on time mortgage history. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5572973 |
| XXXX | 20578548 | XXXX D A | Closed | FCRE1506 | 2025-09-19 12:18 | 2025-09-26 16:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received updated 1003 - Due Diligence Vendor-09/26/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending verification of additional debt. - Due Diligence Vendor-09/19/2025 |  | Resolved-Received updated 1003 - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - 25% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 660 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5603391 |
| XXXX | 20578548 | XXXX D A | Closed | FCRE1325 | 2025-09-19 12:14 | 2025-09-26 13:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. please see the uploaded documents - Seller-09/25/2025 <br>Counter-Missing signed letter from CPA confirming they have prepared and reviewed the most recent years business tax returns-as well as confirmation of ownership and in business-must meet guidelines 8.8.3 - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. please see the attached CPA letter - Seller-09/22/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter or third party verification of the business. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. please see the uploaded documents - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. please see the attached CPA letter - Seller-09/22/2025<br>| Resolved-Received CPA Letter. - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - 25% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5603337 |
| XXXX | 20578548 | XXXX D A | Closed | FCRE0200 | 2025-09-17 14:51 | 2025-09-25 12:26 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Received updated 1003 - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. Please see the upl 1003 & 1008 - Seller-09/24/2025 <br> Counter-Received XXXX release dated XXXX-provide corrected final 1003 reflecting no mortgage for each reo. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/22/2025 <br> Open-The following properties show an outstanding loan balance, but $0 payment was used in calculating the DTI. (All XXXX properties). Provide documentation to support XXXX payment required. Please note that the DTI is not yet finalized and additional information and/or documentation may be required.XX,XX,XX,XX,XX,XX,XX,XX,XX,XX,XX,XX. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. Please see the upl 1003 & 1008 - Seller-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Received updated 1003 - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below maximum allowed - 25% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5574503 |
| XXXX | 20578548 | XXXX D A | Closed | FCRE7009 | 2025-09-17 14:26 | 2025-09-23 11:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation HOI policy includes dwelling replacement of 150% - coverage is sufficient. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. please see the high lighted area of the hoi policy - Seller-09/22/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not cover the replacement cost estimator value. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. please see the high lighted area of the hoi policy - Seller-09/22/2025<br>| Resolved-Received confirmation HOI policy includes dwelling replacement of 150% - coverage is sufficient. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - 25% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5573930 |
| XXXX | 20578548 | XXXX D A | Closed | FCRE1148 | 2025-09-19 12:04 | 2025-09-23 11:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/22/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Title coverage is not sufficient. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/22/2025<br>| Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below maximum allowed - 25% DTI vs. max DTI 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 709 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5603135 |
| XXXX | 23735553 | XXXX D A C | Closed | FCRE5782 | 2025-09-18 09:40 | 2025-09-26 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Counter-UDM provided is not dated within 10 days. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing credit supplement for borrower - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - DTI of 38.9% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 780 which exceeds the minimum of 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5583428 |
| XXXX | 23735553 | XXXX D A C | Closed | FCRE5783 | 2025-09-18 09:40 | 2025-09-26 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Counter-UDM provided is not dated within 10 days. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing credit supplement for co-borrower. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - DTI of 38.9% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 780 which exceeds the minimum of 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5583429 |
| XXXX | 23735553 | XXXX D A C | Closed | finding-3634 | 2025-09-17 10:27 | 2025-09-24 08:29 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC for increase in fee. Finding resolved. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by XXXX (Points - Loan Discount Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations 3 Years. Expiration date XXXX.<br> - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Rec'd COC for increase in fee. Finding resolved. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below maximum allowed - DTI of 38.9% is less than the maximum allowed per guidelines of 50%<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 780 which exceeds the minimum of 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5567593 |
| XXXX | 24916623 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 20222779 | XXXX D A C | Closed | FCOM1352 | 2025-09-22 10:16 | 2025-10-06 17:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received confirmation non-business purpose. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Signed occupancy provided. If loan is not business purpose, loan will be subject to compliance testing. Please confirm. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. Affidavit of Occupancy attached - this is not a XXXX loan - Seller-09/24/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing The borrower is required to sign a Borrower Certification of Business Purpose and an Occupancy Certification on all investment loans. File contains an occupancy cert only which is not executed. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. Affidavit of Occupancy attached - this is not a BP loan - Seller-09/24/2025<br>| Resolved-Received confirmation non-business purpose. - Due Diligence Vendor-10/06/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5616940 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE5782 | 2025-09-22 11:01 | 2025-09-26 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5617993 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE5783 | 2025-09-22 11:01 | 2025-09-26 10:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Borrower 2 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5617994 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE1206 | 2025-09-22 11:03 | 2025-09-26 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Exclusionary search required - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5618010 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE1205 | 2025-09-22 11:03 | 2025-09-26 10:40 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud report w/OFAC Check Completed and Cleared - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-OFAC Check Not Completed and/or Cleared OFAC search requried - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Fraud report w/OFAC Check Completed and Cleared - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5618011 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE1201 | 2025-09-22 11:03 | 2025-09-26 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Fraud Report. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-Missing Third Party Fraud Report Fraud report is required - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Fraud Report. - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5618012 |
| XXXX | 20222779 | XXXX D A C | Closed | FCRE7497 | 2025-09-22 11:12 | 2025-09-26 10:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Loan proceeds noted as for purchase of new primary residence which is listed on the 1003. (XXXX). Documentation of PITIA is required. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received PITIA. - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 58.40 / Maximum 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Borrower's FICO - 775 - Minimum 700 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5618208 |
| XXXX | 20642986 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 29859603 | XXXX C A | Closed | FCRE5790 | 2025-09-24 11:34 | 2025-09-26 16:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. UDM provided - Seller-09/25/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 20 days old - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. UDM provided - Seller-09/25/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 80% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5654162 |
| XXXX | 29859603 | XXXX C A | Closed | FCRE5791 | 2025-09-24 11:34 | 2025-09-26 16:28 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. UDM provided - Seller-09/25/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 20 days old - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. UDM provided - Seller-09/25/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - CLTV 80% is lower than maximum 90%<br>Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 776 is higher than the required 680 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5654164 |
| XXXX | 29048724 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 22716088 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 26215705 | XXXX D A | Closed | FCRE7009 | 2025-09-24 13:19 | 2025-10-03 15:48 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received RCE - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Yes, it was included. Please scroll to page 7 it is at the top and has RCE value XXXX underlined - Seller-10/02/2025 <br> Counter-RCE was not attached. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. please see attached. RCE shows XXXX and dwelling is XXXX - Seller-09/30/2025 <br> Counter-Policy states - Replacement Cost up to the Dwelling Covg Limits - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Please re-review policy. Sentence below total annual premium states Replacement cost is Dwelling Coverage. RCE is XXXX and Dwelling covers that amount. - Seller-09/26/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide documentation to support coverage of XXXX OR provide an RCE showing lesser coverage. If insurance premium increases, it will need to be adjusted in the file. Please note that DTI is not yet finalized, and additional information and/or documentation may be required. - Due Diligence Vendor-09/24/2025 | Ready for Review-Yes, it was included. Please scroll to page 7 it is at the top and has RCE value XXXX underlined - Seller-10/02/2025 <br> Ready for Review-Document Uploaded. please see attached. RCE shows XXXX and dwelling is XXXX - Seller-09/30/2025 <br> Ready for Review-Please re-review policy. Sentence below total annual premium states Replacement cost is Dwelling Coverage. RCE is XXXX and Dwelling covers that amount. - Seller-09/26/2025 | Resolved-Received RCE - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 725 vs. min FICO 680<br>Months Reserves exceed minimum required - >19 months available vs. 0 months required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5658048 |
| XXXX | 26215705 | XXXX D A | Closed | FCRE5782 | 2025-09-24 13:44 | 2025-09-29 17:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Note date is XXXX and Credit refresh provided states current date ran is XXXX. Please look to middle of page where it says "end of report" as that is the run date - Seller-09/26/2025 <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. Note date is XXXX and Credit refresh provided states current date ran is XXXX. Please look to middle of page where it says "end of report" as that is the run date - Seller-09/26/2025 | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-09/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 725 vs. min FICO 680<br>Months Reserves exceed minimum required - >19 months available vs. 0 months required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5658506 |
| XXXX | 26495237 | XXXX D A | Closed | FCRE1437 | 2025-09-24 16:08 | 2025-09-26 13:39 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Prior Years P&L - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. This coupled with the XXXX YTD P&L would satisfy the 12 months. - Seller-09/25/2025 <br> Open-Income and Employment Do Not Meet Guidelines P & L covers a total of 8 months, guidelines require 12 months. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. This coupled with the XXXX YTD P&L would satisfy the 12 months. - Seller-09/25/2025 | Resolved-Received Prior Years P&L - Due Diligence Vendor-09/26/2025<br>| CLTV is less than guidelines maximum - 53% CLTV vs. max CLTV 80%<br>Long term residence - Long Term Residence = 30+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5661432 |
| XXXX | 26495237 | XXXX D A | Closed | FCRE7532 | 2025-09-24 16:27 | 2025-09-25 13:43 | Resolved | 1 - Information C A | Credit | Eligibility | Qualifying Credit Score does not meet eligibility requirement(s) | Resolved-Score for grading is 761, guideline minimum is 660. - Due Diligence Vendor-09/25/2025 <br>Open-Score for grading is 761, guideline minimum is 660. - Due Diligence Vendor-09/24/2025 |  | Resolved-Score for grading is 761, guideline minimum is 660. - Due Diligence Vendor-09/25/2025<br>| CLTV is less than guidelines maximum - 53% CLTV vs. max CLTV 80%<br>Long term residence - Long Term Residence = 30+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5661734 |
| XXXX | 26495237 | XXXX D A | Closed | FCOM1352 | 2025-09-24 08:15 | 2025-09-25 11:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, the BP affidavit is not required on this program. - Due Diligence Vendor-09/25/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the business purpose affidavit. - Due Diligence Vendor-09/24/2025 |  | Resolved-After further review, the BP affidavit is not required on this program. - Due Diligence Vendor-09/25/2025<br>| CLTV is less than guidelines maximum - 53% CLTV vs. max CLTV 80%<br>Long term residence - Long Term Residence = 30+ years |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5649591 |
| XXXX | 23077134 | XXXX D B C A | Closed | finding-3532 | 2025-09-24 12:19 | 2025-09-30 09:42 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Recieved initial CD XXXX - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. ICDXXXX attached - Seller-09/29/2025 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. -----Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. ICD XXXX attached - Seller-09/29/2025 | Resolved-Recieved initial CD XXXX - Due Diligence Vendor-09/30/2025 | Qualifying DTI below maximum allowed - Qualifying DTI 28%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 11%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5657035 |
| XXXX | 23077134 | XXXX D B C A | Closed | FCOM1978 | 2025-09-24 11:49 | 2025-09-30 09:35 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Open------Missing Intent to Proceed. - Due Diligence Vendor-09/24/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received executed ITP, finding resolved. - Due Diligence Vendor-09/30/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 28%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 11%; max 80%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5656586 |
| XXXX | 23077134 | XXXX D B C A | Closed | FCRE8224 | 2025-09-25 10:00 | 2025-09-26 10:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Operating Agreement | Waived-Originator exception granted, waiver applied with comp factors. <br> - Due Diligence Vendor-09/26/2025 <br> Open-1) Requesting exception to use income from XXXX and XXXX, both of which are owned indirectly by borrower. Per CPA, both XXXX businesses are 100% owned by XXXX. Borrower owns 65% of XXXX and so using 65% of the income from the XXXX businesses to qualify.<br> - Due Diligence Vendor-09/25/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. <br> - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 28%; max permitted 50%.<br>LTV is less than guideline maximum - LTV 11%; max 80%. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum<br> Borrower has worked in same industry more than 5 years<br> Borrower has verified residual Income (disposable income) of at least XXXX per month<br>|  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5669240 |
| XXXX | 28832830 | XXXX D B A | Closed | FPRO1245 | 2025-09-30 15:48 | 2025-10-31 13:48 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Appraisal is Expired | Waived-1004D provided confirming no decline in value. However, 1004D is dated 1 day after disbursement. Non Material Originator Waiver applied with compensating factors - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 <br> Counter-The 1004D provided is not a recert of value, this is a reinspection for the cost to cure. The appraiser needs to confirm there has been no change in value. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Please escalate for manager review, please see updated XXXX 1004D reinspection, this update to original is dated about 30days from XXXX... with said update upon reinspection and no change or same valuation given is not deemed expired, XXXX and is within the 120 days. Please clear finding - Seller-10/24/2025 <br> Counter-The Appraiser did not address the market value on the 1004D, which is required for an expired appraisal. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Lender notes internal review of the 1004D dated XXXX, has been noted that the update effective date aligns with the original 1004 appraisal, confirming a fair market valuation of XXXX. Based on this, the documentation is deemed sufficient to proceed without requiring additional commentary from the appraiser. Furthermore, the absence of a statement regarding declining value is considered appropriate, as the appraiser did not find it necessary to include such commentary. This supports the conclusion that the property's value remains stable. - Seller-10/22/2025 <br> Counter-Received and reviewed 1004D, commentary does not clearly states the appraiser did a review of current market data to determine whether the property has declined in value since the date of the original appraisal. Updated unexpired appraisal or corrected 1004D is needed. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Please see 1004D appraiser comments \*\*\* I previously inspected the subject on XXXX for this same lender, full interior and exterior inspection. I returned to the subject on XXXX for reinspection. - Seller-09/30/2025 <br> Open-Primary Value Appraisal is Expired \*New\* Appraisal is > 120 Days. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/27/2025 <br> Ready for Review-Please escalate for manager review, please see updated XXXX 1004D reinspection, this update to original is dated about 30days from XXXX... with said update upon reinspection and no change or same valuation given is not deemed expired, XXXX and is within the 120 days. Please clear finding - Seller-10/24/2025 <br> Ready for Review-Lender notes internal review of the 1004D dated XXXX, has been noted that the update effective date aligns with the original 1004 appraisal, confirming a fair market valuation of XXXX. Based on this, the documentation is deemed sufficient to proceed without requiring additional commentary from the appraiser. Furthermore, the absence of a statement regarding declining value is considered appropriate, as the appraiser did not find it necessary to include such commentary. This supports the conclusion that the property's value remains stable. - Seller-10/22/2025 <br> Ready for Review-Please see 1004D appraiser comments \*\*\* I previously inspected the subject on XXXX for this same lender, full interior and exterior inspection. I returned to the subject on XXXX for reinspection. - Seller-09/30/2025 | Waived-1004D provided confirming no decline in value. However, 1004D is dated 1 day after disbursement. Non Material Originator Waiver applied with compensating factors - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower's reserves 19.27 mths <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36.1% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5724353 |
| XXXX | 28832830 | XXXX D B A | Closed | FPRO1242 | 2025-09-30 10:57 | 2025-10-30 18:01 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received Appraisal. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Please see 1004D appraiser comments \*\*\* I previously inspected the subject on XXXX for this same lender, full interior and exterior inspection. I returned to the subject on XXXX for reinspection. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/30/2025 <br> Open-Appraisal is Missing - Due Diligence Vendor-09/30/2025 | Ready for Review-Please see 1004D appraiser comments \*\*\* I previously inspected the subject on XXXX for this same lender, full interior and exterior inspection. I returned to the subject on XXXX for reinspection. - Seller-09/30/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/30/2025 | Resolved-Received Appraisal. - Due Diligence Vendor-10/02/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower's reserves 19.27 mths <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36.1% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5717908 |
| XXXX | 28832830 | XXXX D B A | Closed | FCRE5770 | 2025-09-27 21:20 | 2025-10-29 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025 <br> Open-Borrower 1 Credit Report is Missing. Missing credit report. - Due Diligence Vendor-09/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/29/2025<br>| Resolved-Received Credit Report. - Due Diligence Vendor-10/01/2025<br>| Months Reserves exceed minimum required - Min reserves 0 mths- Borrower's reserves 19.27 mths <br>Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 36.1% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5695043 |
| XXXX | 20819539 | XXXX D A | Closed | FCRE1170 | 2025-09-26 16:56 | 2025-10-23 16:34 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Expiration Date is before the Note Date | Resolved-Upon further review, the expiration is XXXX - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Flood Insurance Expiration Date of XXXX is prior to the Note Date of XXXX Coverage prior to XXXX was not identified in the file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Upon further review, the expiration is XXXX - Due Diligence Vendor-10/03/2025 | Qualifying DTI below maximum allowed - DTI = 35.19% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 769 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5692006 |
| XXXX | 20819539 | XXXX D A | Closed | FCRE1159 | 2025-09-26 16:56 | 2025-10-23 16:34 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Coverage prior to XXXX was not identified in the file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received prior policy - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.19% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 769 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5692007 |
| XXXX | 20819539 | XXXX D A | Closed | FCRE1181 | 2025-09-26 16:56 | 2025-10-23 16:34 | Resolved | 1 - Information C A | Credit | Insurance | Subject loan is in Flood Zone and Notice of Special Flood Hazard Disclosure Not Completed | Resolved-Received Notice of flood hazard disclosure - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Counter-Received flood insurance documentation-missing Notice of flood hazard disclosure-as required by the Flood Disaster Protection Act-form is generally provided by flood certification provider. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Counter-Post Close Notice provided, please provide a copy of the initial Notice with evidence of the date sent. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-Subject Property is in XXXX but Notice of Special Flood Hazard Disclosure was not provided The Notice of Special Flood Hazard was not dated. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Received Notice of flood hazard disclosure - Due Diligence Vendor-10/23/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.19% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 769 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5692008 |
| XXXX | 20819539 | XXXX D A | Closed | FCRE1440 | 2025-09-27 09:10 | 2025-10-09 16:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Credit Supplement. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Open-Housing History Does Not Meet Guideline Requirements The Primary residence mortgage and the 2nd home mortgage payment history is verified up through XXXX pg 162. The XXXX payment needs verification for both mortgages. - Due Diligence Vendor-09/27/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025<br>| Resolved-Received Credit Supplement. - Due Diligence Vendor-10/09/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.19% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 769 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5694235 |
| XXXX | 20819539 | XXXX D A | Closed | FCRE5782 | 2025-09-27 09:10 | 2025-10-09 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Open-Borrower 1 Gap Credit Report is Missing The gap credit report was not identified in the file. The fraud report showed UDM monitoring not started. - Due Diligence Vendor-09/27/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below maximum allowed - DTI = 35.19% - Max DTI = 50%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 769 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5694236 |
| XXXX | 26924472 | XXXX C A | Closed | FCRE1506 | 2025-09-29 14:21 | 2025-10-08 12:37 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received documentation to support the exclusion. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. 12 mos bank statements attached evidencing borrower's son has made XXXX payment, - Seller-10/07/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Borrower is listed as a co-borrower on the the 3b property listed on the application. Letter of explanation states the property is the the son's property. Missing documentation to support the borrowers son is making the payments for this property to support the exclusion of the PITIA. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. 12 mos bank statements attached evidencing borrower's son has made XXXX payment, - Seller-10/07/2025 | Resolved-Received documentation to support the exclusion. - Due Diligence Vendor-10/08/2025<br>| LTV is less than guideline maximum - LTV = 73.45% - Max LTV = 90%<br>Months Reserves exceed minimum required - Reserves = 10 months – Required Reserves = 0 Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5706899 |
| XXXX | 24400002 | XXXX D A C | Closed | FCRE0044 | 2025-10-07 15:06 | 2025-10-13 16:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-LOX for credit inquiries provided and new debt added tot he DTI. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiry on XXXX reporting on the UDM. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-LOX for credit inquiries provided and new debt added tot he DTI. - Due Diligence Vendor-10/13/2025<br>| CLTV is less than guidelines maximum - CLTV Max is 90% - we are at 70.30%<br>Months Reserves exceed minimum required - No reserves required. We have 9.76 months from cash back. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5809921 |
| XXXX | 24400002 | XXXX D A C | Closed | FCRE5782 | 2025-09-26 15:50 | 2025-10-13 16:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Counter-Gap report provided, however it is not date within days. XXXX is 11 days. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit report is required as credit report date is XXXX and note date is XXXX - which is more than 30 days. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/07/2025<br>| CLTV is less than guidelines maximum - CLTV Max is 90% - we are at 70.30%<br>Months Reserves exceed minimum required - No reserves required. We have 9.76 months from cash back. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5691108 |
| XXXX | 24400002 | XXXX D A C | Closed | FCRE1510 | 2025-09-25 16:41 | 2025-10-03 15:43 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Document Uploaded. After further review, the notary signatures are sufficient. - Due Diligence Vendor-10/03/2025 <br> Counter-Page 7 Notary XXXX was acknowledged by a person not party to the transaction. Finding remains. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ---- There is only 1 borrower on the loan. However, 2 different notary's with 2 different notary dates are on the DOT. Notary dated XXXX is for another individual not named on the mortgage. ----Legal Description is not attached to mortgage. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>| Resolved-Document Uploaded. After further review, the notary signatures are sufficient. - Due Diligence Vendor-10/03/2025<br>| CLTV is less than guidelines maximum - CLTV Max is 90% - we are at 70.30%<br>Months Reserves exceed minimum required - No reserves required. We have 9.76 months from cash back. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5677442 |
| XXXX | 24400002 | XXXX D A C | Closed | FCRE1437 | 2025-09-26 15:31 | 2025-10-02 16:34 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received 3 months bank statements supporting in the income. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Income and Employment Do Not Meet Guidelines Either need YTD P&L OR 3 months business bank statements to support continuance of tax return income. We have one month (and need 3 full months) of XXXX. We have 3 months of XXXX. Income used to qualify is not supported by bank statements in file. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received 3 months bank statements supporting in the income. - Due Diligence Vendor-10/02/2025<br>| CLTV is less than guidelines maximum - CLTV Max is 90% - we are at 70.30%<br>Months Reserves exceed minimum required - No reserves required. We have 9.76 months from cash back. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5690783 |
| XXXX | 24400002 | XXXX D A C | Closed | finding-47 | 2025-09-25 17:27 | 2025-09-30 09:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ---- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Upon further review, finding resolved. - Due Diligence Vendor-09/30/2025<br>| CLTV is less than guidelines maximum - CLTV Max is 90% - we are at 70.30%<br>Months Reserves exceed minimum required - No reserves required. We have 9.76 months from cash back. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5677894 |
| XXXX | 28965405 | XXXX D B C A | Closed | FCRE6019 | 2025-09-29 09:03 | 2025-10-13 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-The guidelines allow for a C-09 EAD card holder to not provide a XXXX. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Counter-Per 5.5.3 of the VPM Loan Eligibility Guidelines dated XXXX the borrower is required to hold one of the valid XXXX types listed. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open- Per 5.5.3 of the VPM Loan Eligibility Guidelines dated 07/15/25 the borrower is required to hold one of the valid XXXX types listed. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-The guidelines allow for a C-09 EAD card holder to not provide a visa. - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below maximum allowed - DTI 19.78; max 50%.<br>Months Reserves exceed minimum required - 29 months reserves<br>CLTV is less than guidelines maximum - 57.83% < 70% max allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5699786 |
| XXXX | 28965405 | XXXX D B C A | Closed | FCOM3605 | 2025-09-26 15:05 | 2025-10-10 10:16 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received CD dated XXXX. Finding is Resolved. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation. Additional findings may apply upon receipt. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved------Received CD dated XXXX. Finding is Resolved. - Due Diligence Vendor-10/10/2025 | Qualifying DTI below maximum allowed - DTI 19.78; max 50%.<br>Months Reserves exceed minimum required - 29 months reserves<br>CLTV is less than guidelines maximum - 57.83% < 70% max allowed |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5690358 |
| XXXX | 28965405 | XXXX D B C A | Closed | FCRE1440 | 2025-09-29 09:41 | 2025-09-29 15:39 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow VOM for 1st lien verification . Non-material waiver applied with comp factors. Deemed non-material due to 1st lien in spouse name, VOM supports recent clean pay history. - Due Diligence Vendor-09/29/2025 <br>Open-Housing History Does Not Meet Guideline Requirements 1st lien does not appear on credit, VOM obtained in lieu. - Due Diligence Vendor-09/29/2025 |  | Waived-Originator exception granted to allow VOM for 1st lien verification . Non-material waiver applied with comp factors. Deemed non-material due to 1st lien in spouse name, VOM supports recent clean pay history. - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - DTI 19.78; max 50%.<br>Months Reserves exceed minimum required - 29 months reserves<br>CLTV is less than guidelines maximum - 57.83% < 70% max allowed | 56.62% CLTV<br> 20 months reserves |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5700464 |
| XXXX | 21780037 | XXXX D B C A | Closed | finding-3634 | 2025-09-26 14:35 | 2025-10-21 11:09 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-Rec'd COC and proof of receipt of check via copy of deposit. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Counter-Rec'd PCCD issued XXXX and copy of check payable to borrower in the amount of XXXX. Missing LOE and shipping label. Please provide copies. Finding remains. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Ready for Review-Received COC XXXX for broker paid compensation. Please provide COC with explanation for increase in appraisal and credit report fee. Zero (0%) tolerance fees increased by XXXX (Mortgage Broker Fee, Appraisal Fee, Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX - Due Diligence Vendor-10/01/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX (Mortgage Broker Fee, Appraisal Fee, Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations XXXX - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Cured-Rec'd COC and proof of receipt of check via copy of deposit. - Due Diligence Vendor-10/21/2025<br>| Qualifying DTI below maximum allowed - DTI = 27.64% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - 27 months reserves exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - 708 score exceeds minimum of 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5689945 |
| XXXX | 21780037 | XXXX D B C A | Closed | FCRE1201 | 2025-09-29 11:22 | 2025-10-17 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received confirmation of alerts addressed. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Comments are added to the 1008 that clear the fraud report, please review - Seller-10/16/2025 <br> Counter-Please provide a Fraud Report that shows the High Alerts cleared. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. XXXX is a commercial property under spouses business<br> XXXX is listed on the 1003 - Seller-10/06/2025 <br> Counter-Fraud report provided has uncleared high alerts.<br> - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Open-Missing Third Party Fraud Report FRAUD IS MISSING - Due Diligence Vendor-09/29/2025 | Ready for Review-Comments are added to the 1008 that clear the fraud report, please review - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. XXXX is a commercial property under spouses business<br> XXXX is listed on the 1003 - Seller-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 | Resolved-Received confirmation of alerts addressed. - Due Diligence Vendor-10/17/2025<br>| Qualifying DTI below maximum allowed - DTI = 27.64% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - 27 months reserves exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - 708 score exceeds minimum of 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5702740 |
| XXXX | 21780037 | XXXX D B C A | Closed | FCRE5782 | 2025-09-29 11:22 | 2025-10-01 18:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-09/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing GAP CREDIT REPORT IS MISSING FROM THE LOAN FILE - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below maximum allowed - DTI = 27.64% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - 27 months reserves exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - 708 score exceeds minimum of 680. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5702734 |
| XXXX | 21780037 | XXXX D B C A | Closed | FCRE1437 | 2025-09-29 16:51 | 2025-09-29 17:52 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/29/2025 <br>Open-Income and Employment Do Not Meet Guidelines Borrower NSF/OD within the last 12 months exceeds max allowed of 6. Lender exception in file. - Due Diligence Vendor-09/29/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below maximum allowed - DTI = 27.64% - Max DTI = 50.00%<br>Months Reserves exceed minimum required - 27 months reserves exceeds minimum.<br>Qualifying FICO score is at least 20 points above minimum for program - 708 score exceeds minimum of 680. | Monthly reserves are verified AND at least 4 months more than guideline minimum<br> Qualifying DTI less than 35%, AND at least 10% less than guideline maximum<br> Borrower has worked in same job more than 3 years<br> Borrower has worked in same industry more than 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5709716 |
| XXXX | 29530505 | XXXX D A | Closed | FPRO1242 | 2025-09-30 10:34 | 2025-10-15 11:55 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-After further review, per email from management a 2055 and desk review are acceptable in lieu of an AVM. - Due Diligence Vendor-10/15/2025 <br>Counter-Review is unable to determine printout origin-please provide. - Due Diligence Vendor-10/10/2025 <br>Ready for Review-Document Uploaded. - Seller-10/09/2025 <br>Open-Appraisal is Missing Appraisal provided is an Exterior Only inspection - per guides full interior/exterior inspection. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-After further review, per email from management a 2055 and desk review are acceptable in lieu of an AVM. - Due Diligence Vendor-10/15/2025<br>| Qualifying DTI below maximum allowed - DTI 36.59% max 50%. <br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 761 ; minimum score 680. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5717349 |
| XXXX | 28894756 | XXXX D B C A | Closed | finding-47 | 2025-09-29 07:41 | 2025-10-08 10:53 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date XXXX. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 751 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 0 Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5698731 |
| XXXX | 28894756 | XXXX D B C A | Closed | FCRE2244 | 2025-09-29 17:10 | 2025-10-07 09:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator Waiver applied to Non-Material Finding - NO Comp Factors submitted with Exception Approval - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-Property Issues are identified for the property The lender's guidelines indicate that properties greater than 2 acres are ineligible. The subject property has XXXX acres. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Waived-Originator Waiver applied to Non-Material Finding - NO Comp Factors submitted with Exception Approval - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 751 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 0 Months | NO Comp Factors submitted with Exception Approval<br> Comp Factors from Audit:<br> Qualifying FICO score is at least 20 points above minimum for program<br> Months Reserves exceed minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5709998 |
| XXXX | 28894756 | XXXX D B C A | Closed | FPRO1249 | 2025-09-29 17:10 | 2025-10-07 09:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator Waiver applied to Non-Material Finding - NO Comp Factors submitted with Exception Approval - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/03/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Per the lender's guidelines, rural subject properties are ineligible for the NQM Flex Equity Income product. The appraisal reflects the subject property in a rural location. - Due Diligence Vendor-09/29/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Waived-Originator Waiver applied to Non-Material Finding - NO Comp Factors submitted with Exception Approval - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 751 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 0 Months | NO Comp Factors submitted with Exception Approval<br> Comp Factors from Audit:<br> Qualifying FICO score is at least 20 points above minimum for program<br> Months Reserves exceed minimum required | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5709997 |
| XXXX | 28894756 | XXXX D B C A | Closed | FCRE5782 | 2025-09-30 08:40 | 2025-10-02 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. The loan file is missing the gap credit or UDM report for the borrower.<br> The loan file is missing the gap credit or UDM report for the co-borrower. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 751 Min FICO = 700<br>Months Reserves exceed minimum required - Reserves = 17 months – Required Reserves = 0 Months |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5715072 |
| XXXX | 29280649 | XXXX D A | Closed | FCOM1352 | 2025-09-30 09:24 | 2025-10-10 18:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Non-business purpose, TRID has been reviewed. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Not applicable. Loan is investment, but NOT processed as business purpose loan, therefore BP disclosure not required - Seller-10/08/2025 <br> Open-The Business Purpose Affidavit Disclosure is Missing Missing occupancy affidavit as required. - Due Diligence Vendor-09/30/2025 | Ready for Review-Not applicable. Loan is investment, but NOT processed as business purpose loan, therefore BP disclosure not required - Seller-10/08/2025<br>| Resolved-Non-business purpose, TRID has been reviewed. - Due Diligence Vendor-10/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 731 vs. min FICO 700<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5715827 |
| XXXX | 29280649 | XXXX D A | Closed | FCRE1492 | 2025-09-30 13:46 | 2025-10-09 17:10 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Per lender, not a business purpose loan. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Personal debt payoff is acceptable and TRID rules apply - Seller-10/08/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements Cash out used to pay off personal debt. Lender to clarify if allowed on non-DSCR investment loans, guides are silent on this. If not allowed, loan is subject to TRID. - Due Diligence Vendor-09/30/2025 | Ready for Review-Personal debt payoff is acceptable and TRID rules apply - Seller-10/08/2025<br>| Resolved-Per lender, not a business purpose loan. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 731 vs. min FICO 700<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5722123 |
| XXXX | 29280649 | XXXX D A | Closed | FCRE9488 | 2025-09-30 13:59 | 2025-10-09 17:09 | Resolved | 1 - Information C A | Credit | Borrower | Potential Occupancy/Current Address Issues identified in the file | Resolved-Received revised appraisal - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. please see revised appraisal attached to mark occupancy as tenant. Borrowers do not live at subject. VOR confirms living at XXXX matching "current" address listed on 1003. - Seller-10/08/2025 <br> Open-Appraisal shows subject is owner occupied and B1/B2 pay stubs and XXXX W2 show the subject street address. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. please see revised appraisal attached to mark occupancy as tenant. Borrowers do not live at subject. VOR confirms living at XXXX matching "current" address listed on 1003. - Seller-10/08/2025 | Resolved-Received revised appraisal - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 731 vs. min FICO 700<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5722364 |
| XXXX | 29280649 | XXXX D A | Closed | FCRE7009 | 2025-09-30 09:41 | 2025-10-09 17:09 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. please see rce attached - Seller-10/08/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Missing RCE to support coverage which does not meet the combined 1st and 2nd lien amounts. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. please see rce attached - Seller-10/08/2025<br>| Resolved-Received HOI - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - 731 vs. min FICO 700<br>On time mortgage history exceeds guideline requirement - 0x30x48 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5716178 |
| XXXX | 22700028 | XXXX D B A C | Closed | FCOM1302 | 2025-09-29 10:51 | 2026-01-21 10:20 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-Original waiver applied to non material findings. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. Application Date is XXXX and Home Loan Toolkit was sent on XXXX - Due Diligence Vendor-01/21/2026 <br> Open-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '22') - Due Diligence Vendor-01/21/2026 |  | Waived-Original waiver applied to non material findings. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 745 and minimum allowed is 680<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5702044 |
| XXXX | 22700028 | XXXX D B A C | Closed | FCRE1316 | 2025-09-30 10:00 | 2025-10-23 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received 3rd Party VOE Prior to Close. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing. A VVOE is required within 10-days of the note date. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received 3rd Party VOE Prior to Close. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 745 and minimum allowed is 680<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5716561 |
| XXXX | 22700028 | XXXX D B A C | Closed | FCRE5782 | 2025-09-30 10:12 | 2025-10-17 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 745 and minimum allowed is 680<br>Long term residence - Long Term Residence = 7+ years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5716848 |
| XXXX | 22700028 | XXXX D B A C | Closed | FPRO0025 | 2025-09-30 09:50 | 2025-10-08 15:18 | Resolved | 1 - Information C A | Property | Property Issue | Smoke Detector/Carbon Monoxide detector has issues | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025 <br>Open-Smoke Detector/Carbon Monoxide detector has issues. Originator to provide Certification that subject meets state Smoke/Carbon Monoxide requirements. (appraiser did not comment). - Due Diligence Vendor-09/30/2025 |  | Resolved-Upon further review, appraiser did not note any deficiencies, nothing further is needed or required - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 745 and minimum allowed is 680<br>Long term residence - Long Term Residence = 7+ years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5716358 |
| XXXX | 20454615 | XXXX D A | Closed | FCRE1158 | 2025-10-01 14:19 | 2025-10-07 13:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Upon further review, it appears the premium renewal with XXXX is the prior policy. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. We have CXXXX Fair Plan. Please see attached. - Seller-10/06/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing full Dec page for HOI with XXXX - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. We have XXXX Fair Plan. Please see attached. - Seller-10/06/2025 | Resolved-Upon further review, it appears the premium renewal with XXXX is the prior policy. - Due Diligence Vendor-10/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 764 exceeds min Fico of 700 per guides.<br>Qualifying DTI below maximum allowed - Qualifying DTI of < 37% is less than guideline max of 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5739250 |
| XXXX | 20454615 | XXXX D A | Closed | FCRE1440 | 2025-10-01 14:27 | 2025-10-07 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received tax verification - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. Please see attached tax calculation - Seller-10/06/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to find taxes for new primary XXXX, used payment amount from 1003 to qualify, additional conditions may apply. - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please see attached tax calculation - Seller-10/06/2025<br>| Resolved-Received tax verification - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 764 exceeds min Fico of 700 per guides.<br>Qualifying DTI below maximum allowed - Qualifying DTI of < 37% is less than guideline max of 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5739423 |
| XXXX | 25425904 | XXXX C A | Closed | FCRE7009 | 2025-09-30 12:25 | 2025-10-02 13:05 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-After further review, the HOI coverage is sufficient. - Due Diligence Vendor-10/02/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide updated policy with minimum coverage of XXXX or an RCE to show lesser amount to be required. If the premium increases, it will need to be added to the DTI. Please note that the DTI is not yet finalized, and additional information and/or documentation may be required. - Due Diligence Vendor-09/30/2025 |  | Resolved-After further review, the HOI coverage is sufficient. - Due Diligence Vendor-10/02/2025<br>| Qualifying DTI below maximum allowed - 7.12% DTI vs. max DTI 50%<br>CLTV is less than guidelines maximum - 55.29% CLTV vs. max CLTV 80% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5720712 |
| XXXX | 26932120 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 24520773 | XXXX D A C | Closed | FPRO1242 | 2025-10-02 09:13 | 2025-10-07 14:41 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attached Appraisal Report. - Seller-10/06/2025 <br>Open-Appraisal is Missing Missing a full appraisal (required due to HPML on 2nd lien). Appraisal to correspond with the CU in file, or additional conditions may apply. - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. Please see attached Appraisal Report. - Seller-10/06/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-10/07/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 14.25 documented<br>Qualifying DTI below maximum allowed - Loan closed with 42.92% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 797 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5748495 |
| XXXX | 24520773 | XXXX D A C | Closed | FCRE1510 | 2025-10-01 11:41 | 2025-10-07 14:33 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. Please see attached DOT with legal description. - Seller-10/06/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description, exhibit A, in mortgage chain - Due Diligence Vendor-10/01/2025 | Ready for Review-Document Uploaded. Please see attached DOT with legal description. - Seller-10/06/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/07/2025<br>| Months Reserves exceed minimum required - 0 reserves required, borrower has 14.25 documented<br>Qualifying DTI below maximum allowed - Loan closed with 42.92% DTI ratio, 50% maximum DTI allowed.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720, borrowers mid score is 797 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5735402 |
| XXXX | 24048496 | XXXX C B A | Closed | FCRE0105 | 2025-10-03 08:02 | 2025-10-07 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received rebuttal from originator-concur single story condo-structural not required. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/03/2025 <br> Open-The file does not contain the required structural engineer report per state law. The loan file does not contain the required structural engineer report per XXXX law. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/03/2025<br>| Resolved-Received rebuttal from originator-concur single story condo-structural not required. - Due Diligence Vendor-10/07/2025<br>| CLTV is less than guidelines maximum - Calculated CLTV equals 44.31%, guidelinr maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 762, guideline minimum is 660. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5763128 |
| XXXX | 24048496 | XXXX C B A | Closed | FCOM5135 | 2025-10-01 13:55 | 2025-10-01 13:55 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/01/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/01/2025<br>| CLTV is less than guidelines maximum - Calculated CLTV equals 44.31%, guidelinr maximum is 80%.<br>Qualifying FICO score is at least 20 points above minimum for program - Score for grading is 762, guideline minimum is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5738602 |
| XXXX | 23771959 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 25444366 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 28010359 | XXXX D A | Closed | FCOM1351 | 2025-10-06 12:30 | 2025-12-16 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty agreement fully executed. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Counter-Guaranty agreement provided is signed for the business. Please provide an Individual Guaranty Agreement. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Counter-LOE provided states cash out is for the subject and future reserves for the subject. Note was signed as a member and vesting is the the name of the LLC. Finding remains. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-This loan did not close as a BP - Seller-10/16/2025 <br>Counter-Received LOE-provide guaranty agreement. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Ready for Review-This loan did not close as a BP - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received personal guaranty agreement fully executed. - Due Diligence Vendor-12/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 728 exceeds 680 min.<br>CLTV is less than guidelines maximum - CLTV of 70% is less than 80% per guides |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5786927 |
| XXXX | 28010359 | XXXX D A | Closed | FCRE0114 | 2025-10-07 10:28 | 2025-10-30 13:35 | Resolved | 1 - Information C A | Credit | Eligibility | Occupancy Certificate validation | Resolved-Occupancy Cert. only required on second liens. - Due Diligence Vendor-10/30/2025 <br>Counter-LOE provided states cash out is for the subject and future reserves for the subject. Note was signed as a member and vesting is the the name of the LLC. Finding remains. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-This loan did not close as a BP - Seller-10/16/2025 <br>Counter-Provide Business Purpose Affidavit. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Verify that Lender allows an Occupancy Cert instead of a Business Purpose Affidavit. - Missing Business Purpose Affidavit. - Due Diligence Vendor-10/07/2025 | Ready for Review-This loan did not close as a BP - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Occupancy Cert. only required on second liens. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 728 exceeds 680 min.<br>CLTV is less than guidelines maximum - CLTV of 70% is less than 80% per guides |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5802113 |
| XXXX | 28010359 | XXXX D A | Closed | FCRE5782 | 2025-10-06 13:57 | 2025-10-09 17:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-10/09/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Gap report or UDM not found for Borrower 1 and Borrower 2. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-10/09/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 728 exceeds 680 min.<br>CLTV is less than guidelines maximum - CLTV of 70% is less than 80% per guides |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5789153 |
| XXXX | 25797921 | XXXX D A C | Closed | finding-3634 | 2025-10-06 08:14 | 2025-10-17 09:30 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ------Zero (0%) tolerance fees increased by XXXX (Credit Report Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX . - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved. - Due Diligence Vendor-10/17/2025 | Qualifying FICO score is at least 20 points above minimum for program - Fico of 768 exceeds 700 min per guides<br>On time mortgage history exceeds guideline requirement - 90 months 0x30 history exceeds min 12 months per guides |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5780443 |
| XXXX | 25797921 | XXXX D A C | Closed | FCRE5782 | 2025-10-06 15:46 | 2025-10-08 17:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received UDM - Due Diligence Vendor-10/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Fico of 768 exceeds 700 min per guides<br>On time mortgage history exceeds guideline requirement - 90 months 0x30 history exceeds min 12 months per guides |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5791708 |
| XXXX | 23754481 | XXXX C A | Closed | FCRE1193 | 2025-10-09 07:48 | 2025-10-28 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.91% is less than or equal to Guideline DTI of 50%. Supplemental tax bill for XXXX is showed as paid with no supplemental tax due for XXXX . - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. I disagree. Please see attached page 7 of the Title report Item No 8 shows fiscal year XXXX property tax is $XXXX. Item no. 9 shows supplemental taxes for fiscal year XXXX for XXXX and on page 8 Item no. 10 shows supplemental taxes for fiscal year XXXX for XXXX. Tax search shows a supplemental tax covering the period XXXX and XXXX is retroactive and it was billed in XXXX which is a separate bill. It does not get added or merged with the XXXX regular property tax bill. Also, the regular XXXX property tax bill and the supplemental tax bill (for prior fiscal years) were paid separately. Please clear this finding. - Seller-10/24/2025 <br> Counter-No document uploaded. Title confirms supplemental taxes included yearly pg 1107-1108. Tax Cert pg 1096 of pdf confirm supplemental taxes paid XXXX iao XXXX in addition to the XXXX. Finding remains Audited DTI of 50.96% exceeds Guideline DTI of 50%. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-I disagree. Title report shows paid supplemental taxes for fiscal year XXXX and XXXX and XXXX. The property taxes show fiscal year XXXX for a total of XXXX. You do not add a paid supplement tax to the property tax because it is not the same fiscal year as the property tax of XXXX. Please clear this finding or escalate to management. - Seller-10/17/2025 <br> Counter-Review used the Documented Taxes and Supplemental Taxes from Title. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Tax cert for XXXX to XXXX shows total tax of XXXX which matches the RE Tax of the appraisal report and escrowed taxes of XXXX. This is a cash-out refi of a primary residence and not a purchase transaction so whatever taxes were being used or escrowed prior to the c/o refinance will be the prevailing tax amount due. Supplemental taxes are often generated outside the standard annual tax cycle for which the escrow account was initially funded and are frequently sent to the homeowner, not the mortgage lender. The escrow account's balance is calculated based on the estimated annual property taxes, not on unexpected re-assessments. Please clear this finding or escalate to management. - Seller-10/09/2025 <br> Open-Audited DTI of 50.96% exceeds Guideline DTI of 50% Subject's taxes were not correctly calculated and the DTI is now over 50% - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. I disagree. Please see attached page 7 of the Title report Item No 8 shows fiscal year XXXX property tax is XXXX. Item no. 9 shows supplemental taxes for fiscal year XXXX for XXXX and on page 8 Item no. 10 shows supplemental taxes for fiscal year XXXX for XXXX. Tax search shows a supplemental tax covering the period XXXX and XXXX is retroactive and it was billed in XXXX which is a separate bill. It does not get added or merged with the XXXX regular property tax bill. Also, the regular XXXX property tax bill and the supplemental tax bill (for prior fiscal years) were paid separately. Please clear this finding. - Seller-10/24/2025 <br> Ready for Review-I disagree. Title report shows paid supplemental taxes for fiscal year XXXX and XXXX and XXXX. The property taxes show fiscal year XXXX for a total of XXXX. You do not add a paid supplement tax to the property tax because it is not the same fiscal year as the property tax of XXXX. Please clear this finding or escalate to management. - Seller-10/17/2025 <br> Ready for Review-Tax cert for XXXX shows total tax of XXXX which matches the RE Tax of the appraisal report and escrowed taxes of XXXX x 12 = XXXX. This is a cash-out refi of a primary residence and not a purchase transaction so whatever taxes were being used or escrowed prior to the c/o refinance will be the prevailing tax amount due. Supplemental taxes are often generated outside the standard annual tax cycle for which the escrow account was initially funded and are frequently sent to the homeowner, not the mortgage lender. The escrow account's balance is calculated based on the estimated annual property taxes, not on unexpected re-assessments. Please clear this finding or escalate to management. - Seller-10/09/2025 | Resolved-Audited DTI of 49.91% is less than or equal to Guideline DTI of 50%. Supplemental tax bill for XXXX is showed as paid with no supplemental tax due for XXXX . - Due Diligence Vendor-10/28/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720-- Borrowers FICO 765<br>Months Reserves exceed minimum required - Min reserves req'd 0 mths-- Borrowers have 17.56 mths in reserves |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5833938 |
| XXXX | 21548089 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 27132310 | XXXX C A | Closed | FCRE7009 | 2025-10-08 09:12 | 2025-10-10 10:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-After further review, the policy covers 80% of the combined loan amounts. - Due Diligence Vendor-10/10/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Provide documentation to support that the hazard insurance policy has sufficient coverage. - Due Diligence Vendor-10/08/2025 |  | Resolved-After further review, the policy covers 80% of the combined loan amounts. - Due Diligence Vendor-10/10/2025<br>| Qualifying DTI below maximum allowed - DTI 41.42%. Max DTI is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 698. Min FICO required is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5817897 |
| XXXX | 26879244 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 22605237 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 24209113 | XXXX C B A | Closed | FCRE7009 | 2025-10-08 15:20 | 2025-10-14 15:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received confirmation of 100% replacement cost. - Due Diligence Vendor-10/14/2025 <br> Counter-Received replacement cost statement. Please provide proof of coverage for 1st and the 2nd mortgages of XXXX or RCE to document 100% replacement. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. uploaded XXXX statement regarding HOI - Seller-10/13/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. HOI: Provide documentation to support the required coverage for the 1st and the 2nd mortgages of XXXX. If the annual premium increases, this will need to be added to the DTI. Please note that DTI is not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. uploaded XXXX statement regarding HOI - Seller-10/13/2025 | Resolved-Received confirmation of 100% replacement cost. - Due Diligence Vendor-10/14/2025<br>| CLTV is less than guidelines maximum - 70% CLTV vs. max CLTV 90%<br>Months Reserves exceed minimum required - >15 vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5826181 |
| XXXX | 24209113 | XXXX C B A | Closed | FCRE8201 | 2025-10-08 20:17 | 2025-10-08 20:21 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted to allow for - use of XXXX in lieu of AVM and PCI.<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/09/2025 <br> Open-Originator exception granted to allow for - use of XXXX in lieu of AVM and PCI <br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/09/2025 |  | Waived-Originator exception granted to allow for - use of 2055 in lieu of AVM and PCI.<br> Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/09/2025<br>| CLTV is less than guidelines maximum - 70% CLTV vs. max CLTV 90%<br>Months Reserves exceed minimum required - >15 vs. 0 required | Long Term Homeowner |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5831115 |
| XXXX | 22174752 | XXXX D A | Closed | FCRE0177 | 2025-10-15 12:50 | 2025-10-17 16:04 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Received Market Rent Source. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-Missing Third Party Market Rent Source - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Received Market Rent Source. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 789<br>Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 73.54 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5904482 |
| XXXX | 22174752 | XXXX D A | Closed | FCRE5790 | 2025-10-10 13:01 | 2025-10-16 12:57 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received UDM - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 680, qualifying score is 789<br>Months Reserves exceed minimum required - Minimum reserves are 0 months, Borrower has 73.54 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5857094 |
| XXXX | 20836701 | XXXX C A | Closed | FCRE0075 | 2025-10-10 15:15 | 2025-10-22 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received revised 1003 - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Counter-Please provide a revised 1003 as the account is reporting on the credit report. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. -----Per Final 1003 - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Received revised 1003 - Due Diligence Vendor-10/22/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 6 months required<br>Qualifying DTI below maximum allowed - 37% DTI, program allows 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5859817 |
| XXXX | 20836701 | XXXX C A | Closed | FCRE1510 | 2025-10-10 15:09 | 2025-10-16 15:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description missing from DOT. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-10/16/2025<br>| Months Reserves exceed minimum required - 35 months reserves documented, 6 months required<br>Qualifying DTI below maximum allowed - 37% DTI, program allows 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5859736 |
| XXXX | 24611916 | XXXX C A | Closed | FCOM1353 | 2025-10-11 15:49 | 2025-10-14 11:36 | Resolved | 1 - Information C A | Compliance | Disclosure | Incorrect ROR Form Type selected | Resolved-Upon further review, no further documentation is needed or required. Form H8 is correct form. - Due Diligence Vendor-10/14/2025 <br>Open-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR form H8 was provided for a same lender refi. - Due Diligence Vendor-10/11/2025 |  | Resolved-Upon further review, no further documentation is needed or required. Form H8 is correct form. - Due Diligence Vendor-10/14/2025<br>| Qualifying DTI below maximum allowed - DTI 33.65%. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO 808. Minimum FICO required is 660. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5865500 |
| XXXX | 24673268 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 28658030 | XXXX D A | Closed | FCRE5782 | 2025-10-14 12:21 | 2025-10-21 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/21/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement >than 50 months.<br>Verified employment history exceeds guidelines - B1 9 years, B2 over 30 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5888511 |
| XXXX | 28658030 | XXXX D A | Closed | FCRE5783 | 2025-10-14 12:21 | 2025-10-21 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/21/2025<br>| On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement >than 50 months.<br>Verified employment history exceeds guidelines - B1 9 years, B2 over 30 years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5888512 |
| XXXX | 21195814 | XXXX D A C | Closed | FCRE1193 | 2025-10-15 13:55 | 2025-10-28 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Per lender guidelines, Child Support/Alimony was deducted from income and excluded from the Back Ratio. Audited DTI of 48.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Alimony (XXXX) and Child Support (XXXX) included in other income loss. Per CES guidelines can deduct off income and not treat as liability. Used other loss of - XXXX to account for both - Seller-10/21/2025 <br> Open-Audited DTI of 61.04% exceeds Guideline DTI of 50% Lender did not include spousal and child support in DTI - Due Diligence Vendor-10/15/2025 | Ready for Review-Alimony (XXXX) and Child Support (XXXX) included in other income loss. Per CES guidelines can deduct off income and not treat as liability. Used other loss of XXXX to account for both - Seller-10/21/2025 | Resolved-Per lender guidelines, Child Support/Alimony was deducted from income and excluded from the Back Ratio. Audited DTI of 48.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO exceeds guideline min of 720<br>On time mortgage history exceeds guideline requirement - 50 months mtg history exceed 12 months min per guides (0x30) |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5905777 |
| XXXX | 21195814 | XXXX D A C | Closed | FCRE5782 | 2025-10-15 13:18 | 2025-10-28 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO exceeds guideline min of 720<br>On time mortgage history exceeds guideline requirement - 50 months mtg history exceed 12 months min per guides (0x30) |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5905008 |
| XXXX | 21195814 | XXXX D A C | Closed | FCRE0044 | 2025-10-15 13:29 | 2025-10-22 16:10 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, LOE is N/A. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-There are no inquires to address. XXXX is more than 90 days from the date of the credit report date and XXXX is the broker name on the credit report. - Seller-10/21/2025 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/16/2025 | Ready for Review-There are no inquires to address. XXXX is more than 90 days from the date of the credit report date and XXXX is the broker name on the credit report. - Seller-10/21/2025 | Resolved-Upon further review, LOE is N/A. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO exceeds guideline min of 720<br>On time mortgage history exceeds guideline requirement - 50 months mtg history exceed 12 months min per guides (0x30) |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5905280 |
| XXXX | 21195814 | XXXX D A C | Closed | FCRE1332 | 2025-10-15 13:08 | 2025-10-22 16:03 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-10/22/2025 <br>Ready for Review-The paystub provided reflects more than 30 days YTD income, please review. - Seller-10/21/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided 1 bi-weekly paystub provided - Due Diligence Vendor-10/15/2025 | Ready for Review-The paystub provided reflects more than 30 days YTD income, please review. - Seller-10/21/2025<br>| Resolved-Borrower 1 Paystubs Less Than 1 Month Provided Condition Resolved - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO exceeds guideline min of 720<br>On time mortgage history exceeds guideline requirement - 50 months mtg history exceed 12 months min per guides (0x30) |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5904795 |
| XXXX | 21195814 | XXXX D A C | Closed | FCOM3605 | 2025-10-14 11:45 | 2025-10-22 09:47 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 796 FICO exceeds guideline min of 720<br>On time mortgage history exceeds guideline requirement - 50 months mtg history exceed 12 months min per guides (0x30) |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5887910 |
| XXXX | 22242470 | XXXX D B A | Closed | FCOM1352 | 2025-10-14 18:53 | 2025-10-29 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Originator confirmed non-business purpose. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Correct, this is not a business purpose loan - Seller-10/24/2025 <br>Counter-Please confirm this loan should be sent for compliance testing if not business purpose. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-This is not a BP loan, this document is not required please review. - Seller-10/21/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Business Purpose Affidavit Disclosure is missing from the loan file. Occupancy Affidavit does not contain the applicable language. - Due Diligence Vendor-10/14/2025 | Ready for Review-Correct, this is not a business purpose loan - Seller-10/24/2025 <br>Ready for Review-This is not a BP loan, this document is not required please review. - Seller-10/21/2025<br>| Resolved-Originator confirmed non-business purpose. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 708 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 42.46% - Max DTI = 50% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5894893 |
| XXXX | 22242470 | XXXX D B A | Closed | FCRE0044 | 2025-10-22 16:51 | 2025-10-27 15:57 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Open-LOX for credit inquiries is missing. \*New\* LOE for inquiry on XXXX reporting on the UDM - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 708 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 42.46% - Max DTI = 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5978769 |
| XXXX | 22242470 | XXXX D B A | Closed | FCRE5782 | 2025-10-14 18:22 | 2025-10-22 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 2 Gap Credit Report is Missing<br> The guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any<br> time after closing. The gap credit or Undisclosed Debt Monitoring report is missing for the borrower. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 708 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 42.46% - Max DTI = 50% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5894604 |
| XXXX | 22242470 | XXXX D B A | Closed | FCRE0153 | 2025-10-14 14:57 | 2025-10-17 13:23 | Waived | 2 - Non-Material D B | Credit | Eligibility | Borrower 1 Gap Employment Letter Missing | Waived-Originator exception granted, waiver applied with comp factors. deemed non material due to borrower on the job time only short .5 months of required 6 months<br> - Due Diligence Vendor-10/15/2025 <br>Open-Borrower 1 Gap Employment Letter Missing Borrower has employment gap. At the current job 5.5 months. Guidelines require 6 months on the job after a gap. Exception in file. - Due Diligence Vendor-10/14/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. deemed non material due to borrower on the job time only short .5 months of required 6 months<br> - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 708 Min FICO = 680<br>Qualifying DTI below maximum allowed - DTI = 42.46% - Max DTI = 50% | Monthly reserves are verified and at least 4 months mpre than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Excellent mortgage history from 2006<br> Revolving utilization of 13%<br> Credit score 708<br> 33 months reserves |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5891752 |
| XXXX | 25135771 | XXXX C A | Closed | finding-3634 | 2025-10-14 06:58 | 2025-10-16 16:01 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. please see attached the COC for 10/1/25 - Seller-10/16/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX. Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by XXXX(Points - Loan Discount Fee, 2nd Appraisal Report , Appraisal Fee) without a valid COC in file. Lender Credit in file for XXXX. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX. <br> - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. please see attached the COC for XXXX - Seller-10/16/2025 | Resolved-Rec'd COC. Finding resolved. - Due Diligence Vendor-10/16/2025<br>| Qualifying DTI below maximum allowed - 10.84% vs. 50%<br>CLTV is less than guidelines maximum - 38% CLTV vs. max 80% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5883363 |
| XXXX | 20867729 | XXXX D A | Closed | FCRE1506 | 2025-10-17 15:04 | 2025-10-27 15:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, no recent large deposits were noted. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Please advise what is needed, there are no deposits over 50% of the income in the past 2 months - Seller-10/21/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending income docs - Large deposits. - Due Diligence Vendor-10/17/2025 | Ready for Review-Please advise what is needed, there are no deposits over 50% of the income in the past 2 months - Seller-10/21/2025<br>| Resolved-Upon further review, no recent large deposits were noted. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 55.36% and max allowed is 85% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5935517 |
| XXXX | 20867729 | XXXX D A | Closed | FCRE4104 | 2025-10-17 08:46 | 2025-10-22 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing explanation and supporting documentation for large deposit(s) | Resolved-Upon further review, no large deposits in the most recent two months. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Monthly income is XXXX - there are no deposits in the most recent 2 months that are more than XXXX, please review - Seller-10/21/2025 <br> Open-Missing explanation and supporting documentation for large deposit(s). Provide an LOX from the borrower and documentation to support any large deposits into the business bank account for the most recent two months that exceeds 50% of the monthly income being used to qualify. - Due Diligence Vendor-10/17/2025 | Ready for Review-Monthly income is XXXX - there are no deposits in the most recent 2 months that are more than XXXX, please review - Seller-10/21/2025 | Resolved-Upon further review, no large deposits in the most recent two months. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 55.36% and max allowed is 85% |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5928696 |
| XXXX | 20867729 | XXXX D A | Closed | FCRE5782 | 2025-10-17 08:31 | 2025-10-22 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/21/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap report is required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 742 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 55.36% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5928537 |
| XXXX | 29229402 | XXXX D A C | Closed | FCRE5782 | 2025-10-17 10:12 | 2025-10-27 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Please see the date on the document in the bottom left - that is the date we received the UDM from the system - it reflected XXXX - Seller-10/24/2025 <br> Counter-UDM provided is not dated within 10 days. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Please see the date on the document in the bottom left - that is the date we received the UDM from the system - it reflected XXXX - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 71.74% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5929947 |
| XXXX | 29229402 | XXXX D A C | Closed | FCRE6737 | 2025-10-17 10:33 | 2025-10-22 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Per originator, removed deposits. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. No deposits from May were included in the income calculation, April deposits were not large deposits and typical for the business XXXX was not included in the income - please review. - Seller-10/20/2025 <br> Open-Missing Letter of Explanation (Income). Missing LOE for amc deposits on XXXX and XXXX for business XXXX. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. No deposits from XXXX were included in the income calculation, April deposits were not large deposits and typical for the business XXXX was not included in the income - please review. - Seller-10/20/2025 | Resolved-Per originator, removed deposits. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 71.74% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5930386 |
| XXXX | 29229402 | XXXX D A C | Closed | FCOM1978 | 2025-10-16 10:57 | 2025-10-22 09:41 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Rec'd Intent to Proceed. Finding resolved. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open------Missing Intent to Proceed. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Rec'd Intent to Proceed. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 737 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 71.74% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5916319 |
| XXXX | 29263235 | XXXX D B A | Closed | FCRE5782 | 2025-10-17 11:40 | 2025-10-21 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report is required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received UDM - Due Diligence Vendor-10/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 54.36% and max allowed is 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5931762 |
| XXXX | 29263235 | XXXX D B A | Closed | FCRE1440 | 2025-10-17 11:40 | 2025-10-17 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow less than a 4-year look back for deferral. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements . Deferral Agreement in file dated XXXX for subject property. Guidelines require a 4 year look back. Lender Exception Approval with compensating factors provide to allow payment deferral of 3 years. - Due Diligence Vendor-10/17/2025 |  | Waived-Originator exception granted to allow less than a 4-year look back for deferral. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 54.36% and max allowed is 85% | - Monthly reserves are verified and at least 4 months more than guideline requirement.<br> - Housing payment history is 0x30x24 or better<br> - Borrower has worked in same job more than 3 years. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5931761 |
| XXXX | 29263235 | XXXX D B A | Closed | FCRE0113 | 2025-10-17 11:57 | 2025-10-17 15:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator) exception granted to allow Inspection from an unapproved vendor. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/17/2025 <br>Open-Property/Appraisal General (Credit). Inspection provided for Valligent is not an approved vendor. Lender Exception Approval in file. - Due Diligence Vendor-10/17/2025 |  | Waived-Originator) exception granted to allow Inspection from an unapproved vendor. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 680<br>CLTV is less than guidelines maximum - CLTV is 54.36% and max allowed is 85% | - Monthly reserves are verified and at least 4 months more than guideline requirement.<br> - Housing payment history is 0x30x24 or better<br> - Borrower has worked in same job more than 3 years. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5932425 |
| XXXX | 24085294 | XXXX D B C A | Closed | FCOM9998 | 2025-10-16 15:43 | 2025-10-27 13:15 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received Complete Revised CD dated XXXX. Finding is resolved. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Seller-10/24/2025 <br> Counter-Rec'd CD issued XXXX. Loan Calculations section is blank. Please provide copy with figures. Finding remains. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/20/2025 <br> Open------Missing pages of revised CD XXXX, only have first 2 pages. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved------Received Complete Revised CD dated 09/25/2025. Finding is resolved. - Due Diligence Vendor-10/27/2025<br>| CLTV is less than guidelines maximum - CLTV is 68.46% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5922001 |
| XXXX | 24085294 | XXXX D B C A | Closed | FCRE5782 | 2025-10-17 13:09 | 2025-10-22 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/22/2025<br>| CLTV is less than guidelines maximum - CLTV is 68.46% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5933557 |
| XXXX | 24085294 | XXXX D B C A | Closed | FCRE5783 | 2025-10-17 13:09 | 2025-10-22 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 2 Gap Credit Report is Missing. Gap Report required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/22/2025<br>| CLTV is less than guidelines maximum - CLTV is 68.46% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5933558 |
| XXXX | 24085294 | XXXX D B C A | Closed | FPRO1249 | 2025-10-17 12:54 | 2025-10-22 15:23 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator exception granted for property location, waiver applied with compactors - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Internal exception was approved - Seller-10/20/2025 <br>Open-Primary Value Valuation Neighborhood Location Not Allowed for Program. Rural subject properties are ineligible for the NQM Flex Equity Income product. Lender Exception Approval with compensating factors provided to allow Rural property. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Internal exception was approved - Seller-10/20/2025<br>| Waived-Originator exception granted for property location, waiver applied with compactors - Due Diligence Vendor-10/22/2025<br>| CLTV is less than guidelines maximum - CLTV is 68.46% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 680 | -LTV less than 70%, and at least 5% less than guideline maximum<br> - Fico score higher than 740, and at least 20 points higher than guideline minimum<br> - Qualifying DTI less than 35%, and at least 10% less than the guideline maximum | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5933348 |
| XXXX | 24085294 | XXXX D B C A | Closed | finding-3634 | 2025-10-16 14:16 | 2025-10-22 08:26 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Rec'd Final CD which included XXXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. This was included on the final CD please review attached. - Seller-10/20/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Credit Report) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX . - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. This was included on the final CD please review attached. - Seller-10/20/2025<br>| Resolved-Rec'd Final CD which included XXXX credit for increase in closing cost above legal limit. Finding Resolved. - Due Diligence Vendor-10/22/2025 | CLTV is less than guidelines maximum - CLTV is 68.46% and max allowed is 85%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 797 and minimum allowed is 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5920304 |
| XXXX | 26116263 | XXXX D A C | Closed | FCRE1506 | 2025-10-21 11:32 | 2026-01-20 13:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CD. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received CD. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 36.97% Qualifying DTI below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 701 Qualifying FICO score is at least 20 points above minimum for program 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5958830 |
| XXXX | 26116263 | XXXX D A C | Closed | FCRE5782 | 2025-10-16 23:46 | 2025-10-22 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Borrower 1 Gap Credit Report is Missing. File contains correspondence from XXXX stating UDM was pulled; however not in file. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received UDM - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 36.97% Qualifying DTI below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 701 Qualifying FICO score is at least 20 points above minimum for program 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5925929 |
| XXXX | 26116263 | XXXX D A C | Closed | FCOM3605 | 2025-10-16 16:31 | 2025-10-22 10:25 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Missing initial CD and acknowledgement by borrower(s) a minimum 3 days prior to consummation date. Additional findings may apply upon receipt. Statute of Limitations Three years- Expiration date: XXXX. - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - 36.97% Qualifying DTI below maximum allowed 50%<br>Qualifying FICO score is at least 20 points above minimum for program - 701 Qualifying FICO score is at least 20 points above minimum for program 680 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5922745 |
| XXXX | 26087803 | XXXX D A | Closed | FCRE5782 | 2025-10-17 14:23 | 2025-10-22 15:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. - Seller-10/20/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/20/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/22/2025<br>| Verified employment history exceeds guidelines - 25 years same business<br>On time mortgage history exceeds guideline requirement - 0x30x48<br>Additional assets not used to qualify - Additional assets listed in Business Bank Account not used to qualify |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5934840 |
| XXXX | 22016459 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 28986126 | XXXX B A | Closed | FCOM5135 | 2025-10-17 12:00 | 2025-10-17 14:33 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 660; qualifying FICO is 742.<br>Months Reserves exceed minimum required - Months reserves required is 0; qualifying reserves is 38.33 months. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5932479 |
| XXXX | 23992298 | XXXX C A | Closed | FCRE5774 | 2025-10-20 12:19 | 2025-10-22 13:20 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Received revised 1008 and 1003 - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. 1st mortgage payment of XXXX was doubled inadvertently due to a system error. Please see attached PC 1008 and PC 1003. - Seller-10/21/2025 <br> Open-Borrower 1 Credit Report is Partially Present. Provide proof of the P&I payment of XXXX/mth, as the Note and Mortgage Statement for the subject property reflect XXXX/mth (making the DTI incorrect). Upon receipt additional conditions may apply. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. 1st mortgage payment of XXXX was doubled inadvertently due to a system error. Please see attached PC 1008 and PC 1003. - Seller-10/21/2025 | Resolved-Received revised 1008 and 1003 - Due Diligence Vendor-10/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO Score 660- Borrower's FICO 764<br>CLTV is less than guidelines maximum - Max CLTV 80%- Borrower's CLTV 35.55% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5947801 |
| XXXX | 28776363 | XXXX B A | Closed | FCRE1183 | 2025-10-20 16:44 | 2025-10-22 13:15 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Resolved-Received revised 1008 - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025 <br> Open-Approval/Underwriting Summary Partially Provided The 1008 and loan approval do not reflect the AVM value of XXXX - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025<br>| Resolved-Received revised 1008 - Due Diligence Vendor-10/22/2025<br>| CLTV is less than guidelines maximum - Max CLTV 90%- Borrower's CLTV 77.62%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5951239 |
| XXXX | 28768041 | XXXX C A | Closed | FCRE1510 | 2025-10-17 12:17 | 2025-10-28 16:25 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/legal. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/24/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Exhibit A Legal Description - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/24/2025<br>| Resolved-Received DOT w/legal. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Max fico score 700 / the borrower is at 734<br> LTV is less than guideline maximum - Max LTV 80% . The borrower is at 79% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5932812 |
| XXXX | 28768041 | XXXX C A | Closed | finding-3540 | 2025-10-17 12:58 | 2025-10-23 15:21 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Rec'd delivery tracking sheet. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. CD XXXX ,COC XXXX in file. Missing evidence this COC was received prior to closing. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Rec'd delivery tracking sheet. Finding resolved. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - The Max fico score 700 / the borrower is at 734<br> LTV is less than guideline maximum - Max LTV 80% . The borrower is at 79% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5933417 |
| XXXX | 21912868 | XXXX C A | Closed | finding-3635 | 2025-10-20 09:26 | 2025-10-30 11:36 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. The borrower shopped for these fees. Please see SSPL showing XXXX - Seller-10/28/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (Notary Fee, Recording Service Fee, Closing Fee, Sub Escrow Fee, Courier Fee, Endorsement Fee and wire transfer fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. The borrower shopped for these fees. Please see SSPL showing XXXX - Seller-10/28/2025 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below maximum allowed - DTI = 41.87% - Max DTI = 50.00%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 764 Min FICO = 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5945128 |
| XXXX | 28490246 | XXXX D B A | Closed | FCOM1351 | 2025-10-20 13:14 | 2025-12-10 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-12/10/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5948628 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE1325 | 2025-10-21 10:45 | 2025-10-31 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter not required. All the income deposits are from other businesses and documentation was provided for all the other businesses to source the deposits. - Due Diligence Vendor-10/31/2025 <br>Counter-Expense factor must be validated-must meet guidelines page 33-35-finding remains. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Since all the income is payouts from the other businesses, then we can use 0% expense factor and we provided documentation on all the other business accounts to source the deposits. - Seller-10/28/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter to confirm employment date(s) and expense factor used - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Since all the income is payouts from the other businesses, then we can use 0% expense factor and we provided documentation on all the other business accounts to source the deposits. - Seller-10/28/2025<br>| Resolved-CPA letter not required. All the income deposits are from other businesses and documentation was provided for all the other businesses to source the deposits. - Due Diligence Vendor-10/31/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5957638 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE4963 | 2025-10-20 15:24 | 2025-10-31 09:58 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Internet print out with payment and current balance. The borrower has no other XXXX accounts reporting on credit. - Due Diligence Vendor-10/31/2025 <br> Counter-Received screen shot for XXXX-finding remains- Provide sufficient documentation to support the omission of XXXX. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-The 1003 reflects payment to XXXX was omitted. The credit report page 63 reflects a balance of XXXX; however, the CD page 1883 reflects that only XXXX was paid at closing. Provide sufficient documentation to support the omission of XXXX. Additional findings may apply - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Internet print out with payment and current balance. The borrower has no other Barclays accounts reporting on credit. - Due Diligence Vendor-10/31/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950321 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE1204 | 2025-10-20 15:39 | 2025-10-30 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received 1008 addressing the High Alert. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-We use the 1008 to comment on any HIGH alerts, we do not clear them on the fraud report. Please review. - Seller-10/30/2025 <br>Counter-Received 1008-provide updated Fraud Report reflecting high and medium alerts cleared. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Fraud Report Shows Uncleared Alerts Provide an updated fraud report reflecting that the high alerts have been cleared. - Due Diligence Vendor-10/20/2025 | Ready for Review-We use the 1008 to comment on any HIGH alerts, we do not clear them on the fraud report. Please review. - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received 1008 addressing the High Alert. - Due Diligence Vendor-10/30/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950512 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE7497 | 2025-10-20 14:48 | 2025-10-29 16:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received CD/Notes. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Missing copies of the Note and Final CD for the following properties to verify the PITIA payments: (1) XXXX; (2) XXXX and (3) XXXX. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received CD/Notes. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5949804 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE1316 | 2025-10-20 14:52 | 2025-10-29 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS for both LLCs. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide a copy of the 3rd party VOE dated prior to closing - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received SOS for both LLCs. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5949850 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE1159 | 2025-10-20 13:46 | 2025-10-29 16:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received current policy. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received current policy. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5948967 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE5782 | 2025-10-20 15:35 | 2025-10-29 16:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide a copy of the gap credit report. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received UDM - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950450 |
| XXXX | 28490246 | XXXX D B A | Closed | FCRE8201 | 2025-10-20 15:22 | 2025-10-21 10:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/21/2025 <br>Open-.Loan received an exception to omit the PITI for the properties that are managed by 2 separate property management companies. - Due Diligence Vendor-10/20/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-10/21/2025<br>| CLTV is less than guidelines maximum - CLTV is 51.52%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. | LTV less than 70% AND at least 5% less than guideline minimum<br> Monthly reserves are verified AND at least 4 months more than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Borrower has worked in same job more than 3 years<br> Borrower has worked in same industry more than 5 years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5950296 |
| XXXX | 24440677 | XXXX D B A | Closed | FCOM1351 | 2025-10-20 17:55 | 2025-12-10 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Provide a copy of the Guaranty Agreement. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-12/10/2025<br>| CLTV is less than guidelines maximum - CLTV is 34.94%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5951816 |
| XXXX | 24440677 | XXXX D B A | Closed | FCRE0044 | 2025-10-23 16:16 | 2025-10-29 15:22 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiries reporting on the UDM - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received LOE - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 34.94%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5995595 |
| XXXX | 24440677 | XXXX D B A | Closed | FCRE5782 | 2025-10-20 18:39 | 2025-10-23 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide a copy of the gap credit report. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-10/23/2025<br>| CLTV is less than guidelines maximum - CLTV is 34.94%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5952071 |
| XXXX | 24440677 | XXXX D B A | Closed | FCRE4963 | 2025-10-20 18:35 | 2025-10-23 16:13 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Internet print out with payment and current balance. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Provide documentation to support that the payment for XXXX is XXXX with a balance of XXXX. The credit report reflects a payment of XXXX and balance of XXXX. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received Internet print out with payment and current balance. - Due Diligence Vendor-10/23/2025<br>| CLTV is less than guidelines maximum - CLTV is 34.94%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5952055 |
| XXXX | 24440677 | XXXX D B A | Closed | FCRE8201 | 2025-10-20 18:30 | 2025-10-23 14:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/21/2025 <br>Open--Exception was granted to omit the properties that are both in the name of the borrower and LLC: Non-Material payments match lease - Due Diligence Vendor-10/20/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-10/21/2025<br>| CLTV is less than guidelines maximum - CLTV is 34.94%. Max CLTV allowed is 70%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 732. Minimum FICO required is 700. | -Housing Payment History 0x30x24<br> - Same Job over 3 Years<br> - Monthly reserves<br> - LTV < 70% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5952024 |
| XXXX | 28928232 | XXXX A B | Closed | FCRE0057 | 2025-10-21 10:57 | 2025-10-22 08:32 | Waived | 2 - Non-Material A B | Credit | Eligibility | Borrower Bankruptcy | Waived-Originator waiver applied to non-material finding with compensating factors- To allow for XXXX that has not met the 48 month seasoning. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached exception request form. - Seller-10/21/2025 <br> Open-Borrower bankruptcy selected, check guidelines. The Chapter 7 BK discharge date of XXXX, does not meet the 48m seasoning requirements, per lender guides. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached exception request form. - Seller-10/21/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors- To allow for BK that has not met the 48 month seasoning. - Due Diligence Vendor-10/22/2025<br>| Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 47.21%<br>CLTV is less than guidelines maximum - Lender max CLTV 85%, subject CLTV 69.84%. | $+ years in primary residence<br> Mortgage history 0x30x24<br> 20 years on job<br> DTI <45% | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5957878 |
| XXXX | 26288497 | XXXX D B A C | Closed | FCRE1325 | 2025-10-21 12:45 | 2025-10-29 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Business Search from the State Website and K1's verified the borrower's businesses were active and the percentage of ownership. - Due Diligence Vendor-10/29/2025 <br> Counter-Section XXXX of the guidelines do not list the described these options as an Acceptable method. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-We kindly disagree, Section 5.1.26 provides the options available to verify employment; there are multiple options that can be utilized, one being a Third Party verification that the business in in existence and in good standing. This was provided with a Business Search from the State Website. <br>In addition, borrower must verify they have 25% ownership, this can be verified with the K1's provided which show the borrower has 50% ownership of XXXX and 90% owner of XXXX. We ask that this please be waived. - Seller-10/23/2025 <br> Counter-5.1.26 of the Guidelines state for Full Doc Self-Employment - If the borrower's business is registered as a multi-member LLC/Corporation/Partnership then the borrower must provide Articles of Incorporation and most recent filing with Secretary of State and CPA Letter/Operating Agreement/Corporate Bylaws with Ownership Breakdown or Addendum<br> - Due Diligence Vendor-10/23/2025 <br> Ready for Review-CPA letter is not required as this is a full documentation loan with personal and business tax returns delivered with the loan file. The 1065s provide the borrower's percentage of ownership in the XXXX. The losses for XXXX have been included in the income calculations. No further information is required. - Seller-10/22/2025 <br> Open-Borrower 1 CPA Letter Missing Missing CPA Letter confirming Borrower's Self Employment with XXXX confirming how long they have been in business, the % of ownership the borrower has and if the business is still active. Upon receipt additional conditions maybe required. - Due Diligence Vendor-10/21/2025 | Ready for Review-We kindly disagree, Section 5.1.26 provides the options available to verify employment; there are multiple options that can be utilized, one being a Third Party verification that the business in in existence and in good standing. This was provided with a Business Search from the State Website. <br>In addition, borrower must verify they have 25% ownership, this can be verified with the K1's provided which show the borrower has 50% ownership of XXXX and 90% owner of XXXX Properties. We ask that this please be waived. - Seller-10/23/2025 <br> Ready for Review-CPA letter is not required as this is a full documentation loan with personal and business tax returns delivered with the loan file. The 1065s provide the borrower's percentage of ownership in the XXXXr and XXXX. The losses for XXXX have been included in the income calculations. No further information is required. - Seller-10/22/2025 | Resolved-Business Search from the State Website and K1's verified the borrower's businesses were active and the percentage of ownership. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 734<br>Months Reserves exceed minimum required - 0 mths reserves- Borrower has 70.96 months in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5960348 |
| XXXX | 26288497 | XXXX D B A C | Closed | finding-3635 | 2025-10-20 16:00 | 2025-10-29 12:16 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Documents to clear cure uploaded - Seller-10/27/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Ten (10%) tolerance fees (recording fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. XXXX - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Documents to clear cure uploaded - Seller-10/27/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 734<br>Months Reserves exceed minimum required - 0 mths reserves- Borrower has 70.96 months in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5950785 |
| XXXX | 26288497 | XXXX D B A C | Closed | FCRE1324 | 2025-10-21 12:45 | 2025-10-28 15:08 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received Signed Tax Returns. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/24/2025 <br>Open-Borrower 1 Tax Returns Not Signed Missing the signed Tax Returns. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/24/2025<br>| Resolved-Received Signed Tax Returns. - Due Diligence Vendor-10/28/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 734<br>Months Reserves exceed minimum required - 0 mths reserves- Borrower has 70.96 months in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5960350 |
| XXXX | 26288497 | XXXX D B A C | Closed | FCRE1316 | 2025-10-21 12:45 | 2025-10-27 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub dated within 30 days of the Note date as required by the guidelines. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please note that a current paystub is an valid alternative to verifying the borrower's employment. Attached, is a copy of the most current paystub at closing, dated XXXX, which would suffice in validating the borrower's employment with XXXX. Please waive condition as document was in the file. - Seller-10/23/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Verbal Verification of Employment for XXXX/ State of XXXX. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. Please note that a current paystub is an valid alternative to verifying the borrower's employment. Attached, is a copy of the most current paystub at closing, dated XXXX, which would suffice in validating the borrower's employment with XXXX. Please waive condition as document was in the file. - Seller-10/23/2025 | Resolved-Received Paystub dated within 30 days of the Note date as required by the guidelines. - Due Diligence Vendor-10/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 734<br>Months Reserves exceed minimum required - 0 mths reserves- Borrower has 70.96 months in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5960346 |
| XXXX | 24522416 | XXXX D A | Closed | FCRE1506 | 2025-10-21 15:12 | 2025-10-28 08:47 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, applied 25% expense factor as required by the guidelines. - Due Diligence Vendor-10/23/2025 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing CPA/tax preparer letter to support a 15% expense factor. Using the standard 50% expense factor will push DTI over 45%. Personal statements provided with no business statements to support no expense factor. Tax preparer must attest they have prepared the borrowers tax returns - PTIN are not eligible - Due Diligence Vendor-10/21/2025 |  | Resolved-Upon further review, applied 25% expense factor as required by the guidelines. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 680<br>CLTV is less than guidelines maximum - 69.85% < 85% allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5962947 |
| XXXX | 24522416 | XXXX D A | Closed | FCRE1325 | 2025-10-21 15:01 | 2025-10-23 15:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Upon further review, applied 25% expense factor as required by the guidelines. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Per guidelines, "Expense Factor Table (no additional documentation necessary" the expense factor would be 25% - Seller-10/22/2025 <br>Open-Borrower 1 CPA Letter Missing Missing CPA/tax preparer letter to support a 15% expense factor. Using the standard 50% expense factor will push DTI over 45%. Personal statements provided with no business statements to support no expense factor. Tax preparer must attest they have prepared the borrowers tax returns - PTIN are not eligible - Due Diligence Vendor-10/21/2025 | Ready for Review-Per guidelines, "Expense Factor Table (no additional documentation necessary" the expense factor would be 25% - Seller-10/22/2025<br>| Resolved-Upon further review, applied 25% expense factor as required by the guidelines. - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 680<br>CLTV is less than guidelines maximum - 69.85% < 85% allowed |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5962717 |
| XXXX | 24522416 | XXXX D A | Closed | FCRE5782 | 2025-10-21 10:00 | 2025-10-23 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Credit dated XXXX; subject loan closed XXXX. Need gap report or UDM within 10 days of closing per guidelines. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received Gap Report - Due Diligence Vendor-10/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 755 Min FICO = 680<br>CLTV is less than guidelines maximum - 69.85% < 85% allowed |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5956900 |
| XXXX | 24802291 | XXXX D A | Closed | FCOM2328 | 2025-10-20 14:01 | 2026-01-21 09:32 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved-Received copy of Final Cd with all parts filled out. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received copy of Final Cd with all parts filled out. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - CLTV = 71.66% - Max CLTV = 80%<br>Qualifying DTI below maximum allowed - DTI = 25.74% - Max DTI = 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5949163 |
| XXXX | 24802291 | XXXX D A | Closed | FCRE5782 | 2025-10-21 11:44 | 2025-10-31 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. - Seller-10/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or anytime after closing. The gap report or UDM is missing from the loan file. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/30/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/31/2025<br>| CLTV is less than guidelines maximum - CLTV = 71.66% - Max CLTV = 80%<br>Qualifying DTI below maximum allowed - DTI = 25.74% - Max DTI = 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5959388 |
| XXXX | 24802291 | XXXX D A | Closed | FCOM9998 | 2025-10-20 14:02 | 2025-10-29 14:23 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received copy of Final Cd with all parts filled out. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open------Final CD, page 1 is incomplete & page 4, Loan Disclosures is incomplete. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved------Received copy of Final Cd with all parts filled out. Finding Resolved. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV = 71.66% - Max CLTV = 80%<br>Qualifying DTI below maximum allowed - DTI = 25.74% - Max DTI = 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5949180 |
| XXXX | 24802291 | XXXX D A | Closed | FCOM4227 | 2025-10-20 13:55 | 2025-10-29 14:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved------Received copy of Final Cd with all parts filled out. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open------Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved------Received copy of Final Cd with all parts filled out. Finding Resolved. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV = 71.66% - Max CLTV = 80%<br>Qualifying DTI below maximum allowed - DTI = 25.74% - Max DTI = 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5949089 |
| XXXX | 24802291 | XXXX D A | Closed | FCOM2340 | 2025-10-20 13:33 | 2025-10-29 14:17 | Resolved | 1 - Information C A | Compliance | TRID | CD: General Form Requirements Not Met | Resolved-CD: General Form Requirements Met - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-CD: General Form Requirements Not Met -----Other Disclosures section on Final CD is incomplete. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-CD: General Form Requirements Met - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV = 71.66% - Max CLTV = 80%<br>Qualifying DTI below maximum allowed - DTI = 25.74% - Max DTI = 50% |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5948836 |
| XXXX | 26811750 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 29196067 | XXXX D A | Closed | finding-47 | 2025-10-23 17:07 | 2026-01-21 09:40 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd PCCD. Finding resolved. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. PCCD attached - Seller-10/23/2025 <br>Open-\*\*\* NEW \*\*\* This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight .of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. PCCD attached - Seller-10/23/2025<br>| Resolved-Rec'd PCCD. Finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5996653 |
| XXXX | 29196067 | XXXX D A | Closed | finding-3621 | 2025-10-24 08:23 | 2025-10-31 10:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID Post-Consummation Revised Closing Disclosure Date and Consummation Date Validation Test | Resolved-This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. -----Received PCCD Dated XXXX with a closing date of XXXX. Finding Resolved. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. uploaded corrected PCCD - Seller-10/29/2025 <br> Open-\*\*\* NEW \*\*\* This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. ----- PCCD issued XXXX has a closing date of XXXX. Transaction/Notary date is XXXX. Please provide corrected PCCD. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. uploaded corrected PCCD - Seller-10/29/2025<br>| Resolved-This loan failed the TRID post-consummation revised closing date and consummation date validation test.This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date, or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields. -----Received PCCD Dated XXXX with a closing date of XXXX. Finding Resolved. - Due Diligence Vendor-10/31/2025 | CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6002080 |
| XXXX | 29196067 | XXXX D A | Closed | FCRE5555 | 2025-10-23 12:23 | 2025-10-24 09:28 | Resolved | 1 - Information C A | Credit | Eligibility | Income not reasonable for employment | Resolved-After further review, Pay stubs and the W2's match and can verify the borrower received a raise/change in pay in XXXX. Condition resolved - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Attached is 'XXXX & 'XXXX y/e paystubs reflecting total gross income matching W2s. Per WVOE dated XXXX borrower received a raise in XXXX, so current income for base & OT should be used for qualifying…calculations below put DTI < 50%:<br> Hourly XXXX<br> OT YTD XXXX / 6.5 = XXXX <br> - Seller-10/23/2025 <br> Open-\*New\* W-2's provided do not match the amounts stated on the WVOE used for qualification. Based on 2 years W-2's and YTD paystub the DTI calculates to over 55%. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Attached is 'XXXX & 'XXXX y/e paystubs reflecting total gross income matching W2s. Per WVOE dated XXXX borrower received a raise in XXXX, so current income for base & OT should be used for qualifying…calculations below put DTI < 50%:<br> Hourly XXXX<br> OT YTD XXXX <br> - Seller-10/23/2025 | Resolved-After further review, Pay stubs and the W2's match and can verify the borrower received a raise/change in pay in XXXX. Condition resolved - Due Diligence Vendor-10/24/2025 | CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5990600 |
| XXXX | 29196067 | XXXX D A | Closed | FCOM3605 | 2025-10-19 15:26 | 2025-10-23 17:10 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. attached Initial and Final CD - Seller-10/21/2025 <br> Open------ Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-10/19/2025 | Ready for Review-Document Uploaded. attached Initial and Final CD - Seller-10/21/2025<br>| Resolved-Rec'd Initial CD. Finding resolved. - Due Diligence Vendor-10/23/2025<br>| CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5941800 |
| XXXX | 29196067 | XXXX D A | Closed | FCOM1544 | 2025-10-19 15:18 | 2025-10-23 17:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. attached find the Closing Disclosure - Seller-10/21/2025 <br>Open-TRID: Missing Final Closing Disclosure ----- Please provide executed copy of Final CD. - Due Diligence Vendor-10/19/2025 | Ready for Review-Document Uploaded. attached find the Closing Disclosure - Seller-10/21/2025<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/23/2025<br>| CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5941778 |
| XXXX | 29196067 | XXXX D A | Closed | FCRE1328 | 2025-10-20 12:54 | 2025-10-23 12:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Received 2 years W-2 - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. uploaded W2 2023/2024 - Seller-10/21/2025 <br>Open-Borrower 1 W2/1099 Missing Per data tape loan is a full documentation loan - w2 was required per guides on a full doc loan. additional findings may apply. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. uploaded W2 XXXX - Seller-10/21/2025 | Resolved-Received 2 years W-2 - Due Diligence Vendor-10/23/2025<br>| CLTV is less than guidelines maximum - 45.14% CLTV vs. max CLTV 90%<br>Qualifying FICO score is at least 20 points above minimum for program - 716 vs. min FICO 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5948268 |
| XXXX | 20149883 | XXXX D A | Closed | FCRE1193 | 2025-10-21 15:23 | 2025-11-06 18:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received final CD on additional property refi reflecting revolving debt paid-omitted debt and ratiios are acceptable. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Consumer debt is XXXX was paid off with the other loan and should be excluded. - Seller-11/04/2025 <br> Counter-Excluded XXXX from the DTI = Audited DTI of 51.89% exceeds Guideline DTI of 50% - XXXX total income, XXXX subject PITIA, XXXX Primary, XXXX REO loss, and XXXX in consumer debt.<br> - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from other loan, this includes the payoff of XXXX - Seller-10/30/2025 <br> Counter-Primary PITIA has been recalculated along with REO. DTI is calculating at 58.32%. XXXX total income, XXXX subject PITIA, XXXX Primary, XXXX REO loss, and XXXX in consumer debt. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. $XXXX - is HOI $XXXX & Flood XXXX, XXXX is HOA that is due quarterly, no taxes per tax record. NEG cash flow on the 1008 is only including the subject, the total payments on the 1008 of XXXXincludes the $XXXX. XXXX= 49.88 DTI - Seller-10/28/2025 <br> Open-Audited DTI of 59.66% exceeds Guideline DTI of 50% DTI: On primary, Lender did not include the HOA into the DTI. Per the 1008, the Lender used $XXXX for insurance, but this is taxes. Also used XXXX for HOA, but this is the insurance. On other REO, Audit matches Lender on 1003, but on the 1008, it appears that only XXXX is being used for negative cash flow, instead of XXXX. - Due Diligence Vendor-10/21/2025 | Ready for Review-Consumer debt is XXXX, the XXXX was paid off with the other loan and should be excluded. - Seller-11/04/2025 <br> Ready for Review-Document Uploaded. Please see attached CD from other loan, this includes the payoff of XXXX - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. XXXX - is HOI XXXX & Flood XXXX, XXXX is HOA that is due quarterly, no taxes per tax record. NEG cash flow on the 1008 is only including the subject, the total payments on the 1008 of XXXX includes the XXXX. XXXX= 49.88 DTI - Seller-10/28/2025 | Resolved-Received final CD on additional property refi reflecting revolving debt paid-omitted debt and ratiios are acceptable. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739 vs. min FICO 700<br>Months Reserves exceed minimum required - >53 months available vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5963170 |
| XXXX | 20149883 | XXXX D A | Closed | FCRE1506 | 2025-10-22 10:38 | 2025-11-05 17:00 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received final CD on additional property refi reflecting revolving debt paid. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Consumer debt is XXXX was paid off by other loan please exclude - Seller-11/04/2025 <br> Counter-Excluded XXXX and XXXX from the DTI = Audited DTI of 51.89% exceeds Guideline DTI of 50% - XXXX total income, XXXX subject PITIA, XXXX Primary, XXXX REO loss, and XXXX in consumer debt.<br> - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Please see CD from XXXX - that includes payoff off of 2 accounts - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing documentation for other REO. DTI not yet finalized - Due Diligence Vendor-10/22/2025 | Ready for Review-Consumer debt is XXXX, XXXX was paid off by other loan please exclude - Seller-11/04/2025 <br> Ready for Review-Please see CD from XXXX - that includes payoff off of 2 accounts - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 | Resolved-Received final CD on additional property refi reflecting revolving debt paid. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739 vs. min FICO 700<br>Months Reserves exceed minimum required - >53 months available vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5971147 |
| XXXX | 20149883 | XXXX D A | Closed | FCRE5782 | 2025-10-21 14:54 | 2025-11-05 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739 vs. min FICO 700<br>Months Reserves exceed minimum required - >53 months available vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5962541 |
| XXXX | 20149883 | XXXX D A | Closed | FCRE1510 | 2025-10-21 10:08 | 2025-10-29 15:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ------Missing Legal Description: Exhibit A - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Legal - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 739 vs. min FICO 700<br>Months Reserves exceed minimum required - >53 months available vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5957042 |
| XXXX | 20149883 | XXXX D A | Closed | FCRE1293 | 2025-10-21 14:46 | 2025-10-29 15:47 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received PITIA for XXXX - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Income 2 Months Income Verified is Missing XXXX-per UW notes, the borrower had a 2nd transaction in place at the same time. Used XXXX5 for CES, taxes, insurance and HOA. The file was missing proof of the new PI and taxes. Haz XXXX/month. HOA XXXX/month. Provide new PI and taxes for a total payment not to exceed XXXX. Please note that DTI is not yet finalized and additional documentation and/or information may be required. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received PITIA for XXXX - Due Diligence Vendor-10/29/2025 | Qualifying FICO score is at least 20 points above minimum for program - 739 vs. min FICO 700<br>Months Reserves exceed minimum required - >53 months available vs. 0 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 5962418 |
| XXXX | 27300834 | XXXX C A | Closed | FCRE1440 | 2025-10-22 07:20 | 2025-11-18 08:51 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-The file contains a UCC-3 Termination, confirming that any prior UCC filing has been terminated. CLTV is 75%. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-There is no document to upload. The pages referenced in your counter are related to the Power Purchase Agreement, not the actual equipment. That is an agreement and the terms of he power generated by the leased Solar equipment. In the same document, there are sections indicating the ability to purchase the equipment. - Seller-10/28/2025 <br> Counter-No document provided. Please see page 546 of pdf-Solar agreement indicate financing IAO XXXX and 25 year payment agreement pg 571. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-We respectfully disagree. The solars are leased and not owned by the borrower. Under XXXX Public Utilities Code § 2869, when a homeowner enters into a contract with an independent solar energy producer (such as a solar company that installs and owns the solar panels), the producer is required to record a notice with the county recorder's office. This Indicates that the solar system is owned by a third party, not the homeowner. - Seller-10/24/2025 <br> Counter-Solar appears to be purchased per the Purchase Power agreement, in addition, the Solar is on title and contains a subordination agreement. Finding remains. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-We respectfully disagree. Leased solar panels do not typically go on the property title in the same way that owned assets do. The solars on this property are leased and there are no UCC filings on title. As such, the debt is personal and not counted in the CLTV. - Seller-10/22/2025 <br> Open-Housing History Does Not Meet Guideline Requirements This finding will remain open and material since exception in file for mortgage late payment shows CLTV of 73.75% which is within guidelines. Current audited CLTV overage at 80.85% not within guidelines. - Due Diligence Vendor-10/22/2025 | Ready for Review-There is no document to upload. The pages referenced in your counter are related to the Power Purchase Agreement, not the actual equipment. That is an agreement and the terms of he power generated by the leased Solar equipment. In the same document, there are sections indicating the ability to purchase the equipment. - Seller-10/28/2025 <br> Ready for Review-We respectfully disagree. The solars are leased and not owned by the borrower. Under XXXX, when a homeowner enters into a contract with an independent solar energy producer (such as a solar company that installs and owns the solar panels), the producer is required to record a notice with the county recorder's office. This Indicates that the solar system is owned by a third party, not the homeowner. - Seller-10/24/2025 <br> Ready for Review-We respectfully disagree. Leased solar panels do not typically go on the property title in the same way that owned assets do. The solars on this property are leased and there are no UCC filings on title. As such, the debt is personal and not counted in the CLTV. - Seller-10/22/2025 | Resolved-The file contains a UCC-3 Termination, confirming that any prior UCC filing has been terminated. CLTV is 75%. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 803 | - 803 FICO<br> - 35 DTI, 15 points below<br> - 10 yrs on job |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5968373 |
| XXXX | 27300834 | XXXX C A | Closed | FCRE1195 | 2025-10-22 07:42 | 2025-10-31 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-After further review, the file contains a UCC-3 Termination, confirming that any prior UCC filing has been terminated. - Due Diligence Vendor-10/31/2025 <br> Counter-No document provided. Please see page 546 of pdf-Solar agreement indicate financing IAO XXXX and 25 year payment agreement pg 571. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-We respectfully disagree. The solars are leased and not owned by the borrower. Under XXXX Public Utilities Code § 2869, when a homeowner enters into a contract with an independent solar energy producer (such as a solar company that installs and owns the solar panels), the producer is required to record a notice with the county recorder's office. This Indicates that the solar system is owned by a third party, not the homeowner. - Seller-10/24/2025 <br> Counter-Solar appears to be purchased per the Purchase Power agreement, in addition, the Solar is on title and contains a subordination agreement. Finding remains. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-We respectfully disagree. Leased solar panels do not typically go on the property title in the same way that owned assets do. The solars on this property are leased and there are no UCC filings on title. As such, the debt is personal and not counted in the CLTV. - Seller-10/22/2025 <br> Open-Audited CLTV of 80.85% exceeds Guideline CLTV of 75% Subordinate Solar Lien was not properly calculated into the CLTV/HCLTV, as per Guideline 3.6 Solar Liens. - Due Diligence Vendor-10/22/2025 | Ready for Review-We respectfully disagree. The solars are leased and not owned by the borrower. Under XXXX, when a homeowner enters into a contract with an independent solar energy producer (such as a solar company that installs and owns the solar panels), the producer is required to record a notice with the county recorder's office. This Indicates that the solar system is owned by a third party, not the homeowner. - Seller-10/24/2025 <br> Ready for Review-We respectfully disagree. Leased solar panels do not typically go on the property title in the same way that owned assets do. The solars on this property are leased and there are no UCC filings on title. As such, the debt is personal and not counted in the CLTV. - Seller-10/22/2025 | Resolved-After further review, the file contains a UCC-3 Termination, confirming that any prior UCC filing has been terminated. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower's DTI 38%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720- Borrower's FICO 803 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5968563 |
| XXXX | 27572405 | XXXX C A | Closed | FCRE7009 | 2025-10-22 14:05 | 2025-10-28 14:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI effective dates covering XXXX and XXXX. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/24/2025 <br> Counter-New policy provided, however it is effective XXXX which is post the disbursement date. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/23/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Missing proof of sufficient Hazard Insurance Coverage at the time of the Note Date. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/23/2025<br>| Resolved-Received HOI effective dates covering XXXX and XXXX. - Due Diligence Vendor-10/28/2025 | Months Reserves exceed minimum required - Min reserves req'd 0 mths--- Borrower has 2.71 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5975560 |
| XXXX | 27572405 | XXXX C A | Closed | FCRE1510 | 2025-10-22 10:45 | 2025-10-24 15:18 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/23/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description addendum is missing from the Deed of Trust. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/23/2025<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - Min reserves req'd 0 mths--- Borrower has 2.71 mths in reserves <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 686 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5971311 |
| XXXX | 20084940 | XXXX C A | Closed | FCRE1437 | 2025-10-23 09:39 | 2025-11-10 15:00 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received current pay statements for both secondary income sources-meeting guidelines 5.1 - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached paystubs dated XXXX to XXXX and XXXX to XXXX from employer XXXXand XXXX via XXXX to confirmed Borrower's employment via XXXX. Please clear this finding. - Seller-11/06/2025 <br> Open-Income and Employment Do Not Meet Guidelines The lender's guidelines require a verbal VOE from each employer within 10-days of the note date for wage and salaried employees. The borrower provided paystubs and W-2 forms for her employment with XXXX. However, this employment was not verified. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Please see attached paystubs dated XXXX to XXXX and XXXX to XXXX from employer XXXX and XXXX via XXXX to confirmed Borrower's employment via XXXX. Please clear this finding. - Seller-11/06/2025 | Resolved-Received current pay statements for both secondary income sources-meeting guidelines 5.1 - Due Diligence Vendor-11/10/2025<br>| CLTV is less than guidelines maximum - CLTV = 62.49% - Max CLTV = 70%<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 682 Min FICO = 660 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5986720 |
| XXXX | 29516312 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 21557217 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 21877090 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 26886332 | XXXX C B A | Closed | finding-3634 | 2025-10-23 15:29 | 2025-11-24 12:36 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Counter------Please provide copy of the PCCD and the LOE to the borrower. Finding Remains. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. borrower was reimbursed see attached - Seller-11/14/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXXPlease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Zero (0%) tolerance fees increased by XXXX (Transfer Taxes) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 years, expiration date XXXX . - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Ready for Review-Document Uploaded. borrower was reimbursed see attached - Seller-11/14/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 | On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797; minimum score 660.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.46<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 72.76 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5994601 |
| XXXX | 26886332 | XXXX C B A | Closed | FCOM1621 | 2025-10-23 17:34 | 2025-10-23 17:34 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/23/2025 |  | Waived-Initial Escrow Account Disclosure is Missing Originator waiver applied to non-material Findings. - Due Diligence Vendor-10/23/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60 on time mortgage pay history.<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 797; minimum score 660.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.46<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 72.76 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 5997126 |
| XXXX | 28360090 | XXXX C A | Closed | FCRE7009 | 2025-10-24 06:22 | 2025-11-07 10:13 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. Received RCE, coverage is sufficient - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see cost estimator. - Seller-11/06/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Provide documentation to support that the hazard insurance has sufficient coverage. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see cost estimator. - Seller-11/06/2025<br>| Resolved-This condition is resolved or not applicable. Received RCE, coverage is sufficient - Due Diligence Vendor-11/07/2025<br>| CLTV is less than guidelines maximum - CLTV is 59.76%. Max CLTV allowed is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 711. Min FICO required is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6001187 |
| XXXX | 28360090 | XXXX C A | Closed | FCRE2244 | 2025-10-24 06:15 | 2025-10-29 17:59 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-After further review, there is sufficient info confirming the borrower occupies the subject property. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Please refer to email. - Seller-10/27/2025 <br>Open-Property Issues are identified for the property The subject loan closed as a primary residence. However, the appraisal includes a 1007 and according to the appraiser comment: "The owner provided rental amounts for main house and ADU, therefore, it is tenant occupied." - Due Diligence Vendor-10/24/2025 | Ready for Review-Please refer to email. - Seller-10/27/2025<br>| Resolved-After further review, there is sufficient info confirming the borrower occupies the subject property. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 59.76%. Max CLTV allowed is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 711. Min FICO required is 660. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6001150 |
| XXXX | 28360090 | XXXX C A | Closed | finding-47 | 2025-10-23 08:32 | 2025-10-29 13:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please see uploaded PCCD. - Seller-10/27/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Please see uploaded PCCD. - Seller-10/27/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/29/2025 | CLTV is less than guidelines maximum - CLTV is 59.76%. Max CLTV allowed is 75%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 711. Min FICO required is 660. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5985671 |
| XXXX | 24978185 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 25920256 | XXXX D A | Closed | FCRE5782 | 2025-10-27 13:55 | 2025-10-30 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-10/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying FICO score is at least 20 points above minimum for program - 732 Qualifying FICO score is at least 20 points above minimum for program of 700 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6025708 |
| XXXX | 25920256 | XXXX D A | Closed | FCRE5783 | 2025-10-27 13:55 | 2025-10-30 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/30/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/27/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-10/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Qualifying FICO score is at least 20 points above minimum for program - 732 Qualifying FICO score is at least 20 points above minimum for program of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6025709 |
| XXXX | 23955362 | XXXX D A C | Closed | FCRE1506 | 2025-10-28 11:27 | 2025-11-05 16:24 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received payment history confirming Sept mtg paid. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Housing History Does Not Meet Guideline Requirements XXXX acct XXXX mortgage payment for XXXX not provided-statement shows due for XXXX-0x30x12 require - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received payment history confirming Sept mtg paid. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - 46 months PITIA reserves; 0 months reserves required.<br>LTV is less than guideline maximum - CLTV 28%; max 85%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6036942 |
| XXXX | 23955362 | XXXX D A C | Closed | FCRE1440 | 2025-10-27 13:06 | 2025-11-05 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment printout confirming XXXX payment made. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Counter-CD for the subject transaction provided, however we are missing confirmation XXXX payment was made for the primary residence, acct XXXX - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements XXXX acct XXXX mortgage payment for XXXX not provided-statement shows due for XXXX-0x30x12 required - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Received payment printout confirming Sept payment made. - Due Diligence Vendor-11/05/2025<br>| Months Reserves exceed minimum required - 46 months PITIA reserves; 0 months reserves required.<br>LTV is less than guideline maximum - CLTV 28%; max 85%. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6024723 |
| XXXX | 23955362 | XXXX D A C | Closed | FCOM4227 | 2025-10-24 13:26 | 2025-11-05 12:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-----Received Initial CD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-ICD was provided on other condition please clear - Seller-11/04/2025 <br> Open------ Missing initial CD dated at least 3 days prior to closing, unable to properly test fees and tolerances. Additional findings may apply. - Due Diligence Vendor-10/24/2025 | Ready for Review-ICD was provided on other condition please clear - Seller-11/04/2025<br>| Resolved-----Received Initial CD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/05/2025 | Months Reserves exceed minimum required - 46 months PITIA reserves; 0 months reserves required.<br>LTV is less than guideline maximum - CLTV 28%; max 85%. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6008723 |
| XXXX | 26812588 | XXXX D A | Closed | FCRE1325 | 2025-10-24 14:30 | 2025-11-06 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received revised P&L and statement from the tax preparer. - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. Uploaded CPA letter confirming CPA reviewed most recent year return along with business name listed right below P&L. - Seller-11/05/2025 <br> Counter-Received P&L. Business is noted as "XXXX" and does not reflect business name. P&L does not confirm years reviewed or prepared most recent years business tax returns. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Uploaded CPA letter stating CPA has reviewed borrowers tax return. - Seller-11/03/2025 <br> Open-Borrower 1 CPA Letter Missing Provide an updated CPA letter reflecting the borrower's business name and confirming that the CPA has prepared and/or reviewed the most recent year's business tax return filing. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Uploaded CPA letter confirming CPA reviewed most recent year return along with business name listed right below P&L. - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. Uploaded CPA letter stating CPA has reviewed borrowers tax return. - Seller-11/03/2025<br>| Resolved-Received revised P&L and statement from the tax preparer. - Due Diligence Vendor-11/06/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 HH required - borrower has 0x30x21 months HH<br>Qualifying DTI below maximum allowed - DTI is 37.03%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6010185 |
| XXXX | 26812588 | XXXX D A | Closed | FCRE2244 | 2025-10-24 14:10 | 2025-11-06 15:53 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Upon further review, the photo's are sufficient. - Due Diligence Vendor-11/06/2025 <br>Ready for Review-Document Uploaded. Please escalate to management for review. 1004D is unnecessary appraisal was done as-is, pics provided by borrower are acceptable to satisfy the initial stip. Please refer to appraiser comments that state no value was given to unpermitted addition; appraised value included 1 car garage. Uploaded snip from appraisal - Seller-11/05/2025 <br>Counter-Received pictures. Property updated must be evidenced by an updated appraisal with proper value adjustments. - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Uploaded 2 pics confirming stove has been removed - Seller-11/03/2025 <br>Open-Property Issues are identified for the property The appraisal reflects that the garage was converted to a kitchenette without a permit. Provide documentation to evidence that the stove in the kitchenette/garage has been removed. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please escalate to management for review. 1004D is unnecessary appraisal was done as-is, pics provided by borrower are acceptable to satisfy the initial stip. Please refer to appraiser comments that state no value was given to unpermitted addition; appraised value included 1 car garage. Uploaded snip from appraisal - Seller-11/05/2025 <br>Ready for Review-Document Uploaded. Uploaded 2 pics confirming stove has been removed - Seller-11/03/2025<br>| Resolved-Upon further review, the photo's are sufficient. - Due Diligence Vendor-11/06/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 HH required - borrower has 0x30x21 months HH<br>Qualifying DTI below maximum allowed - DTI is 37.03%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6009779 |
| XXXX | 26812588 | XXXX D A | Closed | FCRE1254 | 2025-10-24 13:53 | 2025-11-04 11:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received proof of UCC termination and settlement agreement for XXXX - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. Uploaded copy of recorded UCC Termination & proof of loan cancellation for XXXX - Seller-11/03/2025 <br> Open-Property Title Issue Title report reflects financing agreements in favor of XXXX. There is no evidence in the file to support that these have been satisfied. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Uploaded copy of recorded UCC Termination & proof of loan cancellation for XXXX- Seller-11/03/2025 | Resolved-Received proof of UCC termination and settlement agreement for XXXX - Due Diligence Vendor-11/04/2025 | On time mortgage history exceeds guideline requirement - 0x30x12 HH required - borrower has 0x30x21 months HH<br>Qualifying DTI below maximum allowed - DTI is 37.03%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6009342 |
| XXXX | 26812588 | XXXX D A | Closed | FCRE5783 | 2025-10-24 14:50 | 2025-11-03 12:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. Uploaded credit supp - Seller-10/31/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Provide a gap report for XXXX. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Uploaded credit supp - Seller-10/31/2025<br>| Resolved-Received credit refresh. - Due Diligence Vendor-11/03/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 HH required - borrower has 0x30x21 months HH<br>Qualifying DTI below maximum allowed - DTI is 37.03%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6010538 |
| XXXX | 26812588 | XXXX D A | Closed | FCRE7009 | 2025-10-24 14:17 | 2025-10-29 11:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Hazard Insurance. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Loan amount is XXXX - Per checklist of coverage provided in file, dwelling coverage XXXX is based on replacement cost. Please clear. Reuploaded proof of sufficent coverage - Seller-10/27/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Provide documentation to support that the hazard insurance policy has sufficient coverage. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Loan amount is XXXX - Per checklist of coverage provided in file, dwelling coverage XXXX is based on replacement cost. Please clear. Reuploaded proof of sufficent coverage - Seller-10/27/2025 | Resolved-Received Hazard Insurance. - Due Diligence Vendor-10/29/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x12 HH required - borrower has 0x30x21 months HH<br>Qualifying DTI below maximum allowed - DTI is 37.03%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6009898 |
| XXXX | 29214551 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 29517620 | XXXX C A | Closed | finding-47 | 2025-10-27 07:44 | 2025-10-31 10:01 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see the upl pccd - Seller-10/30/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. Please see the upl pccd - Seller-10/30/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/31/2025 | Residual Income =/> 1.5 times XXXX monthly residual income - borrower has residual income of XXXX per months which is greater than 1.5 times XXXX per month. <br> Qualifying DTI below maximum allowed - DTI is 34.92%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6019383 |
| XXXX | 29517620 | XXXX C A | Closed | FCRE1440 | 2025-10-27 11:29 | 2025-10-29 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Point Share Agreement. No payments required. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide a VOM for the second mortgage with XXXX that is being paid off. Additional findings may apply. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Point Share Agreement. No payments required. - Due Diligence Vendor-10/29/2025<br>| Residual Income =/> 1.5 times XXXX monthly residual income - borrower has residual income of XXXX per months which is greater than 1.5 times XXXX per month. <br> Qualifying DTI below maximum allowed - DTI is 34.92%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6022826 |
| XXXX | 20031844 | XXXX C A | Closed | finding-47 | 2025-10-28 05:50 | 2025-10-30 12:23 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX with corrected disbursement date and final settlement statement from title company as confirmation of disbursement date. - Due Diligence Vendor-10/30/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-10/28/2025 |  | Resolved-Received PCCD XXXX with corrected disbursement date and final settlement statement from title company as confirmation of disbursement date. - Due Diligence Vendor-10/30/2025 | Qualifying DTI below maximum allowed - DTI is 30.97%. Max DTI allowed is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO is 723. Min FICO required is 700. |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6032695 |
| XXXX | 22289745 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 22946172 | XXXX D B C A | Closed | FCOM2328 | 2025-10-29 18:10 | 2025-11-07 10:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Escrow Account | Resolved------Received PCCD dated XXXX with escrow waiver information completed. Finding Resolved. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Counter-----PCCD is still missing the reason for the borrower will not have an escrow account on Page 4. -----Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. Finding Remains. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open------Final CD, page 4 is missing reason for no escrow account established, either declined or lender does not offer one box is not checked. Provide a PCCD with correction within 60 days of consummation. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved------Received PCCD dated XXXX with escrow waiver information completed. Finding Resolved. - Due Diligence Vendor-11/07/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 778<br>CLTV is less than guidelines maximum - Maximum CLTV is 85% - actual is 49.51% CLTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6060253 |
| XXXX | 22946172 | XXXX D B C A | Closed | FCRE5782 | 2025-10-30 14:03 | 2025-11-05 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing missing - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 778<br>CLTV is less than guidelines maximum - Maximum CLTV is 85% - actual is 49.51% CLTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6072473 |
| XXXX | 22946172 | XXXX D B C A | Closed | FCRE1510 | 2025-10-29 11:49 | 2025-11-05 16:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 778<br>CLTV is less than guidelines maximum - Maximum CLTV is 85% - actual is 49.51% CLTV |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6053982 |
| XXXX | 22946172 | XXXX D B C A | Closed | FCRE1505 | 2025-10-30 14:03 | 2025-11-04 10:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Waived-Originator Exception for Minimum Tradelines not met<br> - Due Diligence Vendor-11/04/2025 <br>Open-Minimum Tradelines not met - Due Diligence Vendor-11/04/2025 |  | Waived-Originator Exception for Minimum Tradelines not met<br> - Due Diligence Vendor-11/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score allowed is 700 - actual FICO score is 778<br>CLTV is less than guidelines maximum - Maximum CLTV is 85% - actual is 49.51% CLTV | 1. LTV less than 70% and at least 5% less than guideline maximum<br> 2. FICO higher than 740 and at least 20 points higher than guideline minimum<br> 3. Monthly reserves are verified and at leas 4 months more than guideline minimum<br> 4. Qualifying DTI less than 35% and at least 10% less than guideline minimum<br> 5. Housing Payment History is 0x30x24 or better<br> 6. Borrower has worked in the same job more than 3 years<br> 7. Borrower has been in the industry more than 5 years<br> 8. Borrower has verified residual income of at least XXXX per month |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6072472 |
| XXXX | 22805045 | XXXX D A | Closed | FCRE5782 | 2025-10-30 11:13 | 2025-11-04 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. - Seller-11/01/2025 <br>Open-Borrower 1 Gap Credit Report is Missing missing - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/01/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-11/04/2025<br>| Long term residence - 12 years and 9 months at primary residence<br>Months Reserves exceed minimum required - Required reserves are 0 months - actual is 15.37 months reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6068163 |
| XXXX | 22805045 | XXXX D A | Closed | FCRE5783 | 2025-10-30 11:13 | 2025-11-04 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/04/2025 <br>Open-Borrower 2 Gap Credit Report is Missing missing - Due Diligence Vendor-10/30/2025 |  | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-11/04/2025<br>| Long term residence - 12 years and 9 months at primary residence<br>Months Reserves exceed minimum required - Required reserves are 0 months - actual is 15.37 months reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6068164 |
| XXXX | 22651160 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 25832287 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 27589153 | XXXX D A | Closed | FCRE1325 | 2025-10-31 15:35 | 2025-11-07 17:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. OA provided showing 100% ownership - Seller-11/06/2025 <br>Open-Borrower 1 CPA Letter Missing Missing third party verification the borrower is 100% owner of business as used for bank statement income. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. OA provided showing 100% ownership - Seller-11/06/2025<br>| Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-11/07/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 74.85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6087669 |
| XXXX | 27589153 | XXXX D A | Closed | FCRE0044 | 2025-10-31 12:19 | 2025-11-05 16:10 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received credit inquiry LOE - Due Diligence Vendor-11/05/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 74.85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6084339 |
| XXXX | 27589153 | XXXX D A | Closed | FCRE5782 | 2025-10-31 12:11 | 2025-11-05 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/05/2025<br>| CLTV is less than guidelines maximum - Max CLTV 80% / Subject CLTV 74.85%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 700/ Borrower FICO 796 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6084256 |
| XXXX | 22915108 | XXXX D A | Closed | FCRE1316 | 2025-10-31 09:56 | 2025-11-07 17:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received SOS confirming business is active. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE not found in file. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received SOS confirming business is active. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 796 exceeds 700 min per guides<br>CLTV is less than guidelines maximum - 74.93% CLTV is less than 80% CLTV max per guides. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6081172 |
| XXXX | 22915108 | XXXX D A | Closed | FCRE1325 | 2025-10-31 16:29 | 2025-11-07 17:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. OA provided showing 100% ownership - Seller-11/06/2025 <br>Open-Borrower 1 CPA Letter Missing Missing third party verification the borrower is 100% owner of business as used for bank statement income. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. OA provided showing 100% ownership - Seller-11/06/2025<br>| Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-11/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 796 exceeds 700 min per guides<br>CLTV is less than guidelines maximum - 74.93% CLTV is less than 80% CLTV max per guides. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6088365 |
| XXXX | 22915108 | XXXX D A | Closed | FCRE5782 | 2025-10-31 10:17 | 2025-11-05 16:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 796 exceeds 700 min per guides<br>CLTV is less than guidelines maximum - 74.93% CLTV is less than 80% CLTV max per guides. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6081574 |
| XXXX | 22915108 | XXXX D A | Closed | FCRE0044 | 2025-10-31 10:39 | 2025-11-05 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-LOX for credit inquiries is missing. LOE not found in file. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received credit inquiry - Due Diligence Vendor-11/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO of 796 exceeds 700 min per guides<br>CLTV is less than guidelines maximum - 74.93% CLTV is less than 80% CLTV max per guides. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6082016 |
| XXXX | 28613755 | XXXX D A | Closed | FCRE1204 | 2025-10-31 13:06 | 2025-11-05 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Social validation noted in file and UW addressed fraud item on 1008 - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing verification alert for borrowers social security number has been cleared. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Social validation noted in file and UW addressed fraud item on 1008 - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying is 33.7%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO: 680. Qualifying: 787 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6085050 |
| XXXX | 28613755 | XXXX D A | Closed | FCRE1205 | 2025-10-31 13:06 | 2025-11-05 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received 1008 confirming OFAC on Hazard cleared. - Due Diligence Vendor-11/05/2025 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-OFAC Check Not Completed and/or Cleared OFAC reflects an alert or the Hazard insurance company with no documentation to support the alert has been cleared. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received 1008 confirming OFAC on Hazard cleared. - Due Diligence Vendor-11/05/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying is 33.7%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO: 680. Qualifying: 787 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6085051 |
| XXXX | 28613755 | XXXX D A | Closed | FCRE5782 | 2025-10-31 13:00 | 2025-11-05 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-11/04/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying is 33.7%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO: 680. Qualifying: 787 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6084973 |
| XXXX | 27244168 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 24176082 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 24197032 | XXXX D A | Closed | FPRO1256 | 2025-11-04 14:13 | 2026-01-21 12:54 | Resolved | 1 - Information D A | Credit | Eligibility | HOA Questionnaire Document is Partially Provided | Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-01/21/2026 Resolved-Received email from the Association address all listed findings. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Subject Property is part of an HOA but the HOA Questionnaire Document is only Partially Provided. Questionnaire received. <br> (1) missing evidence that the 2025 budget meets max non-incidental income of 10% (or 15% under certain circumstances) as required per XXXX; 2025 budget shows >12% (garage income and other income). <br> (2) per XXXX B4-XXXX Critical Repairs also include those that may impact "habitability of the project's building(s), or the financial viability or marketability of the project". Questionnaire reflects that riser/hvac replacements have already begun (6 completed) and are not a future project (online supports). Missing (a) confirmation from the riser/hvac replacement contractor that unit owners may remain in their units with complete access to all utilities while riser replacement is ongoing (no impact to habitability) (b) confirmation from Independent Auditor, XXXX, that the XXXX line of credit taken (future or not) will not impact the financial viability of the project. XXXX audited financials already reflect replacement fund expenditures that exceed revenues. Although XXXX did not result in a negative bottom line due to rollover of fund balances it does not appear budgeted replacement funds will cover these future expenses. (c) appraiser must comment on the marketability of the project (and units) with ongoing riser replacements and HVAC replacements (entire building). <br> (3) Missing evidence of unit owners share of assessments related to the riser and hvac replacement project. Per questionnaire (and online sources) the riser/hvac replacements have already begun. As such Lenders are required to determine the unit owner's share. <br> (4) Per Section 9.13 "XXXX to complete a project review and ensure the condo project is warrantable Condominium". Condo Review Sheet provided does not show the review was completed by TLS and unable to determine who the Condo Underwriter was employed by. The sheet also does not state whether the project is actually warrantable. <br> (5) Unit breakdown on appraisal does not match the questionnaire. <br> (6) Additional findings may apply. Guidelines require condos be warrantable. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-The HOA Questionnaire Document is not partially present or Not Applicable. - Due Diligence Vendor-01/21/2026 <br>Resolved-Received email from the Association address all listed findings. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO 702; minimum required 680<br>Qualifying DTI below maximum allowed - Qualifying DTI 35.07%; max 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6121419 |
| XXXX | 23410376 | XXXX D A C | Closed | FCRE5782 | 2025-11-04 14:03 | 2025-11-18 16:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide gap report or UDM withing 10 days prior to loan closing. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/16/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 680; qualifying FICO score is 757.<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 70<br>Qualifying DTI below maximum allowed - Max DTI is 50%, qualifying is 37.48% |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6121195 |
| XXXX | 23410376 | XXXX D A C | Closed | finding-47 | 2025-11-03 10:49 | 2025-11-18 11:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/16/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. - Seller-11/16/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Guideline minimum FICO score is 680; qualifying FICO score is 757.<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 70<br>Qualifying DTI below maximum allowed - Max DTI is 50%, qualifying is 37.48% |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6098690 |
| XXXX | 22091323 | XXXX D A C | Closed | FVAL3525 | 2025-11-05 14:25 | 2025-11-13 15:57 | Resolved | 1 - Information C A | Property | Appraisal | Valuation product is deficient | Resolved-Full appraisal received. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. appraisal is "as-is" - Seller-11/06/2025 <br> Open-The AVM from XXXX reflects a confidence score 86%, guidelines require a confidence score of 90%. Full appraisal required. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. appraisal is "as-is" - Seller-11/06/2025<br>| Resolved-Full appraisal received. - Due Diligence Vendor-11/13/2025<br>| CLTV is less than guidelines maximum - CTLV is 62.89. Max is 90%<br>Months Reserves exceed minimum required - 9.16 months verified reserves, guidelines required 0 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6142280 |
| XXXX | 22091323 | XXXX D A C | Closed | FCRE0044 | 2025-11-07 18:06 | 2025-11-12 12:30 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-After further review, the inquiries are from the subject transaction. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Counter-LOE for credit report inquiry provided, however we are missing LOE for the inquiries on the GAP Report. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-LOX for credit inquiries is missing. \*New\* Please provide LOE for the inquiries reporting on the Gap Report. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-After further review, the inquiries are from the subject transaction. - Due Diligence Vendor-11/12/2025<br>| CLTV is less than guidelines maximum - CTLV is 62.89. Max is 90%<br>Months Reserves exceed minimum required - 9.16 months verified reserves, guidelines required 0 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6180289 |
| XXXX | 22091323 | XXXX D A C | Closed | FCRE8201 | 2025-11-05 14:29 | 2025-11-10 16:51 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received Full Appraisal. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Per the guidelines a property inspection report is required and was not provided. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Received Full Appraisal. - Due Diligence Vendor-11/10/2025<br>| CLTV is less than guidelines maximum - CTLV is 62.89. Max is 90%<br>Months Reserves exceed minimum required - 9.16 months verified reserves, guidelines required 0 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6142360 |
| XXXX | 22091323 | XXXX D A C | Closed | FCRE5782 | 2025-11-05 09:34 | 2025-11-10 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the required GAP credit report. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-11/07/2025<br>| CLTV is less than guidelines maximum - CTLV is 62.89. Max is 90%<br>Months Reserves exceed minimum required - 9.16 months verified reserves, guidelines required 0 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6131392 |
| XXXX | 22091323 | XXXX D A C | Closed | FCRE1505 | 2025-11-05 10:22 | 2025-11-10 16:33 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Missing verification of the payment terms for the solar with XXXX. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025<br>| Resolved-The Tradelines for the borrower(s) meets the guideline requirements or is not applicable. - Due Diligence Vendor-11/10/2025<br>| CLTV is less than guidelines maximum - CTLV is 62.89. Max is 90%<br>Months Reserves exceed minimum required - 9.16 months verified reserves, guidelines required 0 months. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6132283 |
| XXXX | 24834634 | XXXX D A | Closed | FCRE1165 | 2025-11-05 13:41 | 2025-11-17 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Received Flood Policy. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/14/2025 <br> Counter-Policy provided is not for the subject property. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Flood Insurance Policy Partially Provided Missing confirmation that insurance policy (with the last four digits for the policy # are XXXX) is for flood insurance coverage. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received Flood Policy. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.65%; max 50%<br>CLTV is less than guidelines maximum - Qualifying CLTV 71.11%; max 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6141239 |
| XXXX | 24834634 | XXXX D A | Closed | FCRE0970 | 2025-11-05 13:37 | 2025-11-13 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Upon further review, it appears the property has been restored to the original floor plan. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Per the appraiser a section of the subject was sealed off, there was no ADU added. This was opened back up to the original floor plan per the docs provided. The GLA should be included since it is part of the original plan. - Seller-11/12/2025 <br> Counter-104D provided, however the appraiser must not include the living area of the illegal accessory unit in the calculation of the Gross Living Area (GLA) of the subject property. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Per 200 when silent defer to XXXX. Per Appraiser, the functional utility of the space that was sealed (now unsealed) was NOT allowed per zoning and as such the stove must be removed along with opening the space. Per XXXX B2-XXXX the removal of a stove does not change the ADU classification. Per guideline 910 one LEGAL ADU is acceptable on a SFR. Per guideline 1109 the appraiser must not include the living area of the illegal accessory unit in the calculation of the Gross Living Area (GLA) of the subject property. Appraiser has included the ADU into the GLA, insurer has not confirmed that the policy covers the non-permitted space and illegal use. Property is NOT eligible. (NOTE: appraisal does not meet any of the requirements for an ADU that does not comply with zoning as detailed under guideline 910.) - Due Diligence Vendor-11/05/2025 | Ready for Review-Per the appraiser a section of the subject was sealed off, there was no ADU added. This was opened back up to the original floor plan per the docs provided. The GLA should be included since it is part of the original plan. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Upon further review, it appears the property has been restored to the original floor plan. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.65%; max 50%<br>CLTV is less than guidelines maximum - Qualifying CLTV 71.11%; max 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6141099 |
| XXXX | 24834634 | XXXX D A | Closed | FCRE5782 | 2025-11-05 14:43 | 2025-11-13 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Must be dated no more than 10 days prior to loan closing. Additional findings may apply. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-11/10/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.65%; max 50%<br>CLTV is less than guidelines maximum - Qualifying CLTV 71.11%; max 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6142938 |
| XXXX | 24834634 | XXXX D A | Closed | FCRE0113 | 2025-11-05 13:36 | 2025-11-13 16:28 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the photos provided reflects the sealed Opening. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Counter-Please have the appraiser provide a photo of the original sealed opening - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Open-Appraiser to provide a photo of the original sealed opening between the two spaces of the home. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Upon further review, the photos provided reflects the sealed Opening. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 14.65%; max 50%<br>CLTV is less than guidelines maximum - Qualifying CLTV 71.11%; max 85% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6141081 |
| XXXX | 26369136 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 21980657 | XXXX D A | Closed | FCRE1964 | 2025-11-07 12:28 | 2025-11-13 12:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Year-to-date base income used to qualify with no overtime earnings included. - Due Diligence Vendor-11/13/2025 <br> Counter-Received 1008 and 1003. Employment appear to be parttime. WVOE required to confirm.. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. Hello Team,<br>Please see attached the 1008 and final 1003 with updated B2's income. UW showing the income calculation on 1008 and we don't need the WVOE since we have provided the paystubs and W-2s. Thank you. - Seller-11/11/2025 <br> Open-Missing income documentation- Missing WVOE for B2 for all 3 jobs. The W2-XXXX for each job appears to be significant lower then YTD paystubs for each job. We will need total breakdown of income as borrower appears to be part time as hours average vary. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Hello Team,<br>Please see attached the 1008 and final 1003 with updated B2's income. UW showing the income calculation on 1008 and we don't need the WVOE since we have provided the paystubs and W-2s. Thank you. - Seller-11/11/2025<br>| Resolved-Year-to-date base income used to qualify with no overtime earnings included. - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 763<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.71 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6173825 |
| XXXX | 29804466 | XXXX D B A C | Closed | FCRE5782 | 2025-11-07 08:52 | 2026-01-21 09:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit within 10 days for bothborrowers. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - qualifying dti 26% max dti 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700. qualifying fico 771 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6168992 |
| XXXX | 29804466 | XXXX D B A C | Closed | FCRE0044 | 2025-11-12 15:14 | 2025-11-16 16:35 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE - Due Diligence Vendor-11/16/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide and LOE for in inquiry on XXXX reporting on the UDM - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Received credit inquiry LOE - Due Diligence Vendor-11/16/2025<br>| Qualifying DTI below maximum allowed - qualifying dti 26% max dti 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700. qualifying fico 771 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6228812 |
| XXXX | 29804466 | XXXX D B A C | Closed | FCRE8888 | 2025-11-07 12:52 | 2025-11-12 15:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien Note. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Missing first mortgage note - have statement, guides call for both. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received 1st lien Note. - Due Diligence Vendor-11/12/2025<br>| Qualifying DTI below maximum allowed - qualifying dti 26% max dti 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700. qualifying fico 771 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6174341 |
| XXXX | 29804466 | XXXX D B A C | Closed | FCOM1353 | 2025-11-06 08:21 | 2025-11-12 09:24 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings - Due Diligence Vendor-11/06/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----Originator waiver applied to non-material Findings - Due Diligence Vendor-11/06/2025<br>| Qualifying DTI below maximum allowed - qualifying dti 26% max dti 50%<br>Qualifying FICO score is at least 20 points above minimum for program - minimum fico 700. qualifying fico 771 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6151438 |
| XXXX | 28928459 | XXXX D A C | Closed | FCRE1148 | 2025-11-06 16:51 | 2025-11-10 14:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title provided. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. Please see the attached FTP. - Seller-11/10/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Missing title coverage. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. Please see the attached FTP. - Seller-11/10/2025<br>| Resolved-Updated title provided. - Due Diligence Vendor-11/10/2025<br>| Months Reserves exceed minimum required - Minimum reserves required =0 months PITI(a) for the subject property. The borrower has 17.16 months PITI(a)<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 700. Borrower's qualifying score = 740 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6162558 |
| XXXX | 25826023 | XXXX D A | Closed | FCRE5782 | 2025-11-07 07:01 | 2025-11-17 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Counter-Auto Lease provided. Please provide the Gap Report. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Per guidelines a gap report or UDM is required. Neither appear in the loan file - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - 7.01% < 50% allowed<br>Qualifying FICO score is at least 20 points above minimum for program - 752 > 700 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6167758 |
| XXXX | 27856714 | XXXX D A | Closed | FCRE0075 | 2025-11-06 16:31 | 2025-11-19 17:42 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received revised 1003 and LOE - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Counter-LOE from borrower provided, as there was a new mortgage not on the credit report. Please provide an udated 1003. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Missing LOE. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Received revised 1003 and LOE - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below maximum allowed - The Borrower DTI is 6%; guideline minimum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6162137 |
| XXXX | 27856714 | XXXX D A | Closed | FCRE0044 | 2025-11-17 15:26 | 2025-11-17 15:33 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Upon further review, the new debt was included in the DTI. - Due Diligence Vendor-11/17/2025 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiry on XXXX reporting on the Gap credit report. - Due Diligence Vendor-11/17/2025 |  | Resolved-Upon further review, the new debt was included in the DTI. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - The Borrower DTI is 6%; guideline minimum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6279185 |
| XXXX | 27856714 | XXXX D A | Closed | FCRE5782 | 2025-11-07 12:10 | 2025-11-17 15:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Counter-LOE for inquiries and Lease provided. Please provide the Gap Credit Report. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit/UDM Report. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - The Borrower DTI is 6%; guideline minimum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6173457 |
| XXXX | 27856714 | XXXX D A | Closed | FCRE1201 | 2025-11-07 12:11 | 2025-11-17 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received UW Attestation all alerts have been cleared. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Counter-1008 was not attached. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Fraud attached - 1008 attached - it states that all Alerts have been reviewed and cleared - Seller-11/12/2025 <br>Open-Missing Third Party Fraud Report Exclusionary lists must be checked, high alerts addressed. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Ready for Review-Document Uploaded. Fraud attached - 1008 attached - it states that all Alerts have been reviewed and cleared - Seller-11/12/2025<br>| Resolved-Received UW Attestation all alerts have been cleared. - Due Diligence Vendor-11/17/2025<br>| Qualifying DTI below maximum allowed - The Borrower DTI is 6%; guideline minimum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6173471 |
| XXXX | 27856714 | XXXX D A | Closed | FCRE7497 | 2025-11-07 14:30 | 2025-11-13 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received 2nd Lien Note. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Property 3h Missing 2nd Lien proof of P&I.<br> - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received 2nd Lien Note. - Due Diligence Vendor-11/13/2025<br>| Qualifying DTI below maximum allowed - The Borrower DTI is 6%; guideline minimum is 50%.<br>Qualifying FICO score is at least 20 points above minimum for program - The Borrowers FICO score is 752; guideline minimum is 700. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6176798 |
| XXXX | 29856789 | XXXX D A | Closed | FCRE8888 | 2025-11-12 09:16 | 2025-11-16 16:40 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-Received 1st lien mortgage statement dated XXXX - Due Diligence Vendor-11/16/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Open-Missing mtg statement for first lien dated within 60 days of note - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Received 1st lien mortgage statement dated XXXX - Due Diligence Vendor-11/16/2025 | LTV is less than guideline maximum - Required is 75 Borrower is at 56.52%. Required is 75 Borrower has 21.46<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.23 Required is 50 Borrower has 23.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 788. Required is 660 Borrower has 788 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6221481 |
| XXXX | 29856789 | XXXX D A | Closed | FCRE5782 | 2025-11-12 09:27 | 2025-11-16 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/16/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/16/2025<br>| LTV is less than guideline maximum - Required is 75 Borrower is at 56.52%. Required is 75 Borrower has 21.46<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.23 Required is 50 Borrower has 23.23<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 788. Required is 660 Borrower has 788 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6221629 |
| XXXX | 25994884 | XXXX D A C | Closed | finding-47 | 2025-11-08 17:45 | 2025-11-19 13:27 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-11/08/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-11/19/2025 | CLTV is less than guidelines maximum - Max CLTV allowed = 90. The subject loan has a CLTV of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score =749 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6184555 |
| XXXX | 25994884 | XXXX D A C | Closed | FCRE5782 | 2025-11-11 09:28 | 2025-11-14 17:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/14/2025<br>| CLTV is less than guidelines maximum - Max CLTV allowed = 90. The subject loan has a CLTV of 75%<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum score allowed = 680. Borrower's qualifying score =749 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6206708 |
| XXXX | 24943334 | XXXX D B A | Closed | FCRE1195 | 2025-11-10 14:42 | 2025-11-24 17:08 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a CLTV of 79.162%, max 75%. - Due Diligence Vendor-11/24/2025 <br> Counter-Received exception request - Please provide approved exception - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Counter-CLTV is still > 75%. Finding remains. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached credit supplement - balance is XXXX for the 1st MTG - Seller-11/12/2025 <br> Open-Audited CLTV of 80.02% exceeds Guideline CLTV of 75% Based on loan amount. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached credit supplement - balance is XXXX for the 1st MTG - Seller-11/12/2025 | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for a CLTV of 79.162%, max 75%. - Due Diligence Vendor-11/24/2025<br>| On time mortgage history exceeds guideline requirement - 20+ years on time mortgage history <br>Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 38.46% | 0x30x24<br> 38.46% DTI | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6198783 |
| XXXX | 24943334 | XXXX D B A | Closed | FCRE1148 | 2025-11-10 13:11 | 2025-11-24 15:56 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Loan amount was increased and updated title is needed to show the most recent loan amount/title coverage - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received Final Title. - Due Diligence Vendor-11/24/2025<br>| On time mortgage history exceeds guideline requirement - 20+ years on time mortgage history <br>Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 38.46% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6196922 |
| XXXX | 24943334 | XXXX D B A | Closed | FCRE1492 | 2025-11-11 10:28 | 2025-11-14 18:07 | Waived | 2 - Non-Material C B | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Originator exception granted for seasoning, waiver applied with compactors - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached credit supplement - balance is XXXX for the 1st MTG - Seller-11/12/2025 <br> Open-Cash Out Does Not Meet Guideline Requirements 9 months seasoning on second lien being paid off does not meet 12 months required.<br> \*Note: exception in file states LTV must be below 80% however audit LTV is 80.02% based on balance of most recent 1st lien mortgage statement balance. Finding remains open and material until an updated exception form is received.<br> - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. Please see attached credit supplement - balance is XXXX for the 1st MTG - Seller-11/12/2025 | Waived-Originator exception granted for seasoning, waiver applied with compactors - Due Diligence Vendor-11/14/2025<br>| On time mortgage history exceeds guideline requirement - 20+ years on time mortgage history <br>Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 38.46% | None listed, audit comp factors as follows:<br> DTI 38.46%, max 50%<br> On time mortgage history 20+ years | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6207658 |
| XXXX | 24943334 | XXXX D B A | Closed | FCRE1510 | 2025-11-09 08:58 | 2025-11-14 18:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received recorded DOT w/legal. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/13/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing Legal Description - Due Diligence Vendor-11/09/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025<br>| Resolved-Received recorded DOT w/legal. - Due Diligence Vendor-11/14/2025<br>| On time mortgage history exceeds guideline requirement - 20+ years on time mortgage history <br>Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 38.46% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6186096 |
| XXXX | 24943334 | XXXX D B A | Closed | FCRE5782 | 2025-11-10 14:00 | 2025-11-14 17:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide gap report within 10 days of loan closing - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/14/2025<br>| On time mortgage history exceeds guideline requirement - 20+ years on time mortgage history <br>Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 38.46% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6197979 |
| XXXX | 29650949 | XXXX D A | Closed | FCRE2244 | 2025-11-13 12:51 | 2026-01-21 16:19 | Resolved | 1 - Information C A | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Resolved-Received lease confirming long term lease is in place on property. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-01/21/2026 <br>Open-Appraisal photos reflect property may be boarder income property. - Due Diligence Vendor-01/21/2026 |  | Resolved-Received lease confirming long term lease is in place on property. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 766; guidelines require 680 Required is 680 Borrower has 766<br>Months Reserves exceed minimum required - 24.36 months reserves; 0 months reserves required.<br>CLTV is less than guidelines maximum - verified. Required is 80 Borrower has 69.33 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6241444 |
| XXXX | 29650949 | XXXX D A | Closed | FCRE1232 | 2025-11-13 09:07 | 2026-01-20 10:48 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Review was able to reconcile 3 months receipt of rent. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Open-The Calculated DSCR of '0.878' is less than the minimum DSCR per lender guidelines of '1'. Missing 3 months proof of receipt for all leases so unable to use the higher lease amounts. Bank statements provided do not show rent amounts that match the provided 7 leases. Audit PITI matches lender final 1003. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Review was able to reconcile 3 months receipt of rent. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 766; guidelines require 680 Required is 680 Borrower has 766<br>Months Reserves exceed minimum required - 24.36 months reserves; 0 months reserves required.<br>CLTV is less than guidelines maximum - verified. Required is 80 Borrower has 69.33 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6236256 |
| XXXX | 29650949 | XXXX D A | Closed | FCRE1152 | 2025-11-13 12:38 | 2025-11-21 16:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/20/2025 <br>Open-Missing Evidence of Property Tax Missing lender calculation for taxes as shown on the final 1003. Tax bill shows homestead exemption and therefore cannot use. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Received Evidence of Property Tax - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score 766; guidelines require 680 Required is 680 Borrower has 766<br>Months Reserves exceed minimum required - 24.36 months reserves; 0 months reserves required.<br>CLTV is less than guidelines maximum - verified. Required is 80 Borrower has 69.33 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6241155 |
| XXXX | 24075819 | XXXX D A | Closed | FCRE6763 | 2025-11-11 16:43 | 2025-11-26 13:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Received confirmation income follow XXXX guidelines. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-Missing lender justification for not counting the schedule C losses into the borrower's income. - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received confirmation income follow XXXX guidelines. - Due Diligence Vendor-11/26/2025 | On time mortgage history exceeds guideline requirement - 0x30x60<br>LTV is less than guideline maximum - Required is 80 Borrower has 23.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6214802 |
| XXXX | 24075819 | XXXX D A | Closed | FCRE5782 | 2025-11-10 17:45 | 2025-11-21 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Counter-LOE for inquiries provided, please provide the Gap Report. - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report required. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/21/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>LTV is less than guideline maximum - Required is 80 Borrower has 23.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6201360 |
| XXXX | 24075819 | XXXX D A | Closed | FCRE1195 | 2025-11-11 16:14 | 2025-11-14 18:13 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Received updated statement. Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Audited CLTV of 80.12% exceeds Guideline CLTV of 80% Audit used lowest available balance of first lien - Due Diligence Vendor-11/11/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received updated statement. Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-11/14/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>LTV is less than guideline maximum - Required is 80 Borrower has 23.83 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6214425 |
| XXXX | 23483073 | XXXX C A | Closed | FCRE6618 | 2025-11-10 16:07 | 2025-11-12 11:18 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised 1003 loan application. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. hello please see revised final 1003 thank u :) - Seller-11/10/2025 <br>Open-The Deed of Trust reflects that the borrower is a married man; however, the final 1003 reflects that the borrower is unmarried. - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. hello please see revised final 1003 thank u :) - Seller-11/10/2025<br>| Resolved-Received revised 1003 loan application. - Due Diligence Vendor-11/12/2025<br>| Months Reserves exceed minimum required - Borrower has 9.93 months reserves. Guidelines require 0 reserves.<br>Qualifying DTI below maximum allowed - DTI is below 6%. Max DTI allowed is 50%. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6200124 |
| XXXX | 21651173 | XXXX D A | Closed | FCRE0184 | 2025-11-13 12:34 | 2025-11-19 12:32 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Cash-out letter provided, compliance run. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Counter-Cash out letter states non-business purpose. Please confirm as compliance/TRID will need to completed. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing copy of the Cash-out Letter on a Business Purpose Loan. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/17/2025<br>| Resolved-Cash-out letter provided, compliance run. - Due Diligence Vendor-11/19/2025<br>| CLTV is less than guidelines maximum - Required CLTV is 80 and Borrower has 64.98 Required is 80 Borrower has 64.98<br>Qualifying DTI below maximum allowed - Required DTI is 50% Borrower has 40.26% Required is 50 Borrower has 40.85<br>Qualifying FICO score is at least 20 points above minimum for program - Required score is 660 and Borrower has 741 Required is 660 Borrower has 741 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6241084 |
| XXXX | 21651173 | XXXX D A | Closed | FCRE5782 | 2025-11-13 12:24 | 2025-11-19 08:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/17/2025 <br>Ready for Review-Document Uploaded. - Seller-11/14/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. The Gap Report to be dated within 30 days of the Note Date (previously 15 days)is required per guidelines. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/14/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-11/17/2025<br>| CLTV is less than guidelines maximum - Required CLTV is 80 and Borrower has 64.98 Required is 80 Borrower has 64.98<br>Qualifying DTI below maximum allowed - Required DTI is 50% Borrower has 40.26% Required is 50 Borrower has 40.85<br>Qualifying FICO score is at least 20 points above minimum for program - Required score is 660 and Borrower has 741 Required is 660 Borrower has 741 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6240872 |
| XXXX | 29094604 | XXXX D A | Closed | FCRE5782 | 2025-11-12 14:00 | 2025-11-18 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. - Seller-11/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP report for both borrower's - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/16/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 40.98% Required is 50 Borrower has 43.89<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Qualifying is 761 Required is 720 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6227432 |
| XXXX | 29094604 | XXXX D A | Closed | FCRE1964 | 2025-11-12 14:24 | 2025-11-18 16:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Processor cert, large deposits is expected in the field of work. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/16/2025 <br> Open-XXXX : UW notes state that large deposits are common, but no supporting documentation was provided. Please provide sources for the following deposits into XXXX: XXXX. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/16/2025<br>| Resolved-Received Processor cert, large deposits is expected in the field of work. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 40.98% Required is 50 Borrower has 43.89<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Qualifying is 761 Required is 720 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6227941 |
| XXXX | 29094604 | XXXX D A | Closed | FCRE6737 | 2025-11-12 14:25 | 2025-11-18 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received Processor Certification, based on the type of business, the income appears stable. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. - Seller-11/16/2025 <br> Open-Income is very sporadic and does not appear to be stable. There are minimal deposits in XXXX YTD. Please provide further confirmation that this income source is stable. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/16/2025<br>| Resolved-Received Processor Certification, based on the type of business, the income appears stable. - Due Diligence Vendor-11/18/2025<br>| Qualifying DTI below maximum allowed - Max DTI is 50% Qualifying DTI is 40.98% Required is 50 Borrower has 43.89<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 720 Qualifying is 761 Required is 720 Borrower has 761 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6227958 |
| XXXX | 20157745 | XXXX C A | Closed | FCRE1193 | 2025-11-14 14:37 | 2025-11-25 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received payment history confirming payment is paid by another company. Audited DTI of 45.7% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/23/2025 <br> Counter-Received rental income worksheet--review confirmed XXXX omitted. XXXX is included-as reflecting on final 1003. Rental income worksheet received does not reflect reo property PITIA for accurate monthly net loss. Missing supporting documentation for omission of XXXX account. Finding remains. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. Please confirm why rental income is lower - attached rental income sheet. Please also confirm XXXX was excluded and XXXX was not included (paid off) We have DTI of 43.268% - Seller-11/19/2025 <br> Open-Audited DTI of 52.21% exceeds Guideline DTI of 50% (lender net rent is XXXX lower than Audit) - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/23/2025 <br> Ready for Review-Document Uploaded. Please confirm why rental income is lower - attached rental income sheet. Please also confirm XXXX was excluded and XXXX was not included (paid off) We have DTI of 43.268% - Seller-11/19/2025 | Resolved-Received payment history confirming payment is paid by another company. Audited DTI of 45.7% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/25/2025<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 69.9<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6258698 |
| XXXX | 26246192 | XXXX D A | Closed | FCRE1304 | 2025-11-15 19:42 | 2025-12-23 11:44 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Processor cert regarding income calculation provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Open-Income 1 Income Trend is Decreasing Missing explanation for random exclusions of XXXX ATM Deposits and Deposit in XXXX and XXXX and Mobile Deposits in XXXX and XXXX. Per borrower letter income is declining. Per Underwriter Summary one-off large deposits were excluded and now show increasing income. However, there is no firm large deposit threshold in the guides and no deposit appears to be unusually large. The closest deposit would be on XXXX for over XXXX but this was included in the income. XXXX ATM Deposits and Mobile Deposits were included in income in other months when they were at equal or greater values than the "one-off large deposits" excluded by the Originator. There appears to be no logical order to the exclusions and may be skewing the trending for the business and giving the appearance that the business has recovered in the most recent 2-months. Letter of explanation regarding declining income to be re-evaluated once deposits have resolved to determine if sufficient. Additional findings may apply. - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Processor cert regarding income calculation provided. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 74.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264388 |
| XXXX | 26246192 | XXXX D A | Closed | FCRE6737 | 2025-11-15 19:42 | 2025-12-23 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-LOX on NSF's provided. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Counter-Received LOE regarding declining income- Missing letter of explanation for multiple non-sufficient funds. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/30/2025 <br>Counter-Received processors cert confirm DTI is low--must meet guidelines page 32. Originator to address decline in deposits and borrower to explain NSFs. Additional conditions may apply. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Missing letter of explanation for multiple non-sufficient funds. Insufficient funds correlates with borrowers decline in earnings at the start of the year. Additional findings may apply. - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-11/30/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-LOX on NSF's provided. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 74.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264391 |
| XXXX | 26246192 | XXXX D A | Closed | FCRE1510 | 2025-11-14 09:25 | 2025-12-02 16:21 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal and confirmation from title legal description was recorded with security instrument. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Document provided came from escrow when asked for the Exh A to the MTG - Seller-11/30/2025 <br>Counter-Legal from the Commitment provided, however we are missing the legal being sent with the mortgage for recording. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Document provided came from escrow when asked for the Exh A to the MTG - Seller-11/30/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received legal and confirmation from title legal description was recorded with security instrument. - Due Diligence Vendor-12/02/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 74.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6251790 |
| XXXX | 26246192 | XXXX D A | Closed | FCRE5782 | 2025-11-15 19:48 | 2025-11-20 18:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit or undisclosed monitoring report pulled no more than 10 days prior to loan closing. Additional findings may apply. <br> - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/20/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 74.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264396 |
| XXXX | 26246192 | XXXX D A | Closed | FCRE0157 | 2025-11-15 19:55 | 2025-11-20 18:14 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Resolved-Received AVM, no listing history since purchase. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Missing evidence that subject was not listed for sale in the most recent 12-months. (Not reflected on ClearAVM and is not reported on this form.) Additional findings may apply. - Due Diligence Vendor-11/16/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received AVM, no listing history since purchase. - Due Diligence Vendor-11/20/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 74.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 12.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6264402 |
| XXXX | 25982368 | XXXX D A C | Closed | FCRE1506 | 2025-11-18 15:22 | 2026-01-20 13:54 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received VOM - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing most recent 12 month mortgage history for Balloon mtg (2nd lie) dated XXXX as required. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received VOM - Due Diligence Vendor-11/24/2025<br>| CLTV is less than guidelines maximum - Maximum is 90%, Borrowers have 68.73%. Required is 90 Borrower has 68.73<br>Qualifying DTI below maximum allowed - Max is 50%, Borrowers have 36.41%. Required is 50 Borrower has 36.41<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum is 700, Borrowers have 802. Required is 700 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6294311 |
| XXXX | 25982368 | XXXX D A C | Closed | FPRO1242 | 2025-11-18 14:22 | 2025-11-26 15:40 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received corrected 1008 and PCCD. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Counter-Please provide a corrected Closing Disclosure disclosing the AVM value. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Value was not updated to match the AVM in our system - this is the only appraisal we received - please see updated 1008 - Seller-11/21/2025 <br> Open-Appraisal is Missing Per lender's 1008 in file, the appraised value is noted as XXXX; however, the only valuation in the file is an AVM + Property Condition Inspection with an estimated value of XXXX and a high value of only XXXX. Lender to provide the missing property valuation. It should be noted that the rate lock and 1008 both reflect LTV/CLTV ratios that are indicative of a XXXX appraised value. Additional conditions may apply. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Ready for Review-Document Uploaded. Value was not updated to match the AVM in our system - this is the only appraisal we received - please see updated 1008 - Seller-11/21/2025<br>| Resolved-Received corrected 1008 and PCCD. - Due Diligence Vendor-11/26/2025<br>| CLTV is less than guidelines maximum - Maximum is 90%, Borrowers have 68.73%. Required is 90 Borrower has 68.73<br>Qualifying DTI below maximum allowed - Max is 50%, Borrowers have 36.41%. Required is 50 Borrower has 36.41<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum is 700, Borrowers have 802. Required is 700 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6293276 |
| XXXX | 25982368 | XXXX D A C | Closed | FCRE1440 | 2025-11-17 10:19 | 2025-11-24 15:09 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received VOM - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing most recent 12 month mortgage history for Balloon mtg (2nd lie) dated XXXX as required. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received VOM - Due Diligence Vendor-11/24/2025<br>| CLTV is less than guidelines maximum - Maximum is 90%, Borrowers have 68.73%. Required is 90 Borrower has 68.73<br>Qualifying DTI below maximum allowed - Max is 50%, Borrowers have 36.41%. Required is 50 Borrower has 36.41<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum is 700, Borrowers have 802. Required is 700 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6271817 |
| XXXX | 25982368 | XXXX D A C | Closed | FCRE5782 | 2025-11-17 10:19 | 2025-11-24 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM for each borrower. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit report required within 10 days of closing date - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received UDM for each borrower. - Due Diligence Vendor-11/21/2025<br>| CLTV is less than guidelines maximum - Maximum is 90%, Borrowers have 68.73%. Required is 90 Borrower has 68.73<br>Qualifying DTI below maximum allowed - Max is 50%, Borrowers have 36.41%. Required is 50 Borrower has 36.41<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum is 700, Borrowers have 802. Required is 700 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6271818 |
| XXXX | 25982368 | XXXX D A C | Closed | finding-3540 | 2025-11-17 07:03 | 2025-11-20 12:20 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Provide borrower's acknowledgment of CDs issued XXXX. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-----Received acknowledgement borrower received at closing. Finding Resolved. - Due Diligence Vendor-11/20/2025<br>| CLTV is less than guidelines maximum - Maximum is 90%, Borrowers have 68.73%. Required is 90 Borrower has 68.73<br>Qualifying DTI below maximum allowed - Max is 50%, Borrowers have 36.41%. Required is 50 Borrower has 36.41<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum is 700, Borrowers have 802. Required is 700 Borrower has 802 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6268844 |
| XXXX | 24459165 | XXXX B A | Closed | FCOM5135 | 2025-11-14 14:16 | 2025-11-14 14:16 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/14/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/14/2025<br>| CLTV is less than guidelines maximum - CLTV is 54.09% and max allowed is 85% Required is 80 Borrower has 54.17<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 801 and minimum allowed is 660 Required is 660 Borrower has 801 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6258280 |
| XXXX | 24263455 | XXXX D A | Closed | FCRE5782 | 2025-11-17 14:56 | 2025-11-21 09:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Refresh credit or evidence of debt monitoring required within 10 days of the note date. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-11/21/2025<br>| CLTV is less than guidelines maximum - Maximum allowed is 80%, Borrower has 68.86%. Maximum allowed is 80%, Borrower has 68.86%.<br>Qualifying DTI below maximum allowed - Maximum allowed is 50%, Borrower has 43.29%. Required is 50 Borrower has 43.29<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 757<br>Long term residence - 5 years at current residence |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6278680 |
| XXXX | 27471532 | XXXX D A | Closed | FCOM1227 | 2025-11-18 14:36 | 2025-11-20 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received PUD Rider - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-PUD Rider is Missing - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received PUD Rider - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.5<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 59 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6293530 |
| XXXX | 27471532 | XXXX D A | Closed | FCRE0053 | 2025-11-18 14:36 | 2025-11-20 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received PUD Rider - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received PUD Rider - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.5<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 59 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6293531 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE1440 | 2025-11-18 16:31 | 2025-11-25 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Credit supplement provided showing the XXXX payments. XXXX and XXXX are commercial properties held in a business and not required to be verified. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- Missing mortgage payment history being made for XXXX for XXXX payment , XXXX missing XXXX payment being made, Missing mortgage payment being made for MXXXX XXXX payment being made.<br> Missing 12 months mortgage payment history and or VOM for XXXX and XXXX commerical loans not reported on credit report also missing % ownership and operating agreement to verify these 2 properties are owned by borrowers. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Credit supplement provided showing the XXXX payments. 3D and 3E are commercial properties held in a business and not required to be verified. - Due Diligence Vendor-11/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6295807 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE5790 | 2025-11-18 16:31 | 2025-11-25 14:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM for Coborrower. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Counter-Please provide Gap credit report for the co-borrower. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received UDM for Coborrower. - Due Diligence Vendor-11/24/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6295808 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE5791 | 2025-11-25 14:02 | 2025-11-25 14:12 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/25/2025 <br>Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-11/25/2025 |  | Resolved-Borrower 2 Gap Credit Report is not expired. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6387480 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE1193 | 2025-11-21 09:28 | 2025-11-25 14:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/25/2025 <br>Open-Audited DTI of 66.28% exceeds Guideline DTI of 50%, first mortgage payment for subject property was not included in the total debts. - Due Diligence Vendor-11/21/2025 |  | Resolved-Audited DTI of 41.46% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6339068 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE1506 | 2025-11-21 09:32 | 2025-11-25 14:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/25/2025 <br>Open-Audited DTI of 66.28% exceeds Guideline DTI of 50%, first mortgage payment for subject property was not included in the total debts. - Due Diligence Vendor-11/21/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6339120 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE1507 | 2025-11-21 09:32 | 2025-11-25 14:03 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-11/25/2025 <br>Open-The Originator QM Status is not the same as the Final QM Status. - Due Diligence Vendor-11/21/2025 |  | Resolved-The Originator QM Status and Final QM Status are the same. - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6339121 |
| XXXX | 24624061 | XXXX D B A C | Closed | finding-3634 | 2025-11-18 10:07 | 2025-11-24 11:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Received COC for addition of the VOE fee. Tolerance cure is now XXXX. We have received the PCCD, LOE and shipping label but we have not received the copy of the refund check. - Due Diligence Vendor-11/21/2025 <br> Counter------Need copy of Check. Received Shipping Label, PCCD, and LOE. The cure was for XXXX. Letter to borrower only acknowledges XXXX ---- Zero (0%) tolerance fees increased by XXXX (Trust review and VOE Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. Finding Remains. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased byXXXX (Trust review and VOE Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Cured-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-11/24/2025 | Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6288377 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE7497 | 2025-11-18 16:35 | 2025-11-21 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-All taxes and insurance payments were provided for the properties. - Due Diligence Vendor-11/21/2025 <br> Counter-Missing taxes for XXXX. Excluding income from XXXX and XXXX will result in the DTI finding. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property- for XXXX thru XXXX. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-All taxes and insurance payments were provided for the properties. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6295905 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE1964 | 2025-11-18 16:54 | 2025-11-21 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Commercial properties and not in the borrower's name, held in an LLC, updated 1003 provided removing them. - Due Diligence Vendor-11/21/2025 <br> Counter-Excluding the XXXX and XXXX will result in a DTI of over 68% - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Nothing is needed there is no income being used, no net losses, no net gains. They shouldn't even be on the application. These properties are both owned by a company, we exclude the debts. The only income in the transaction is base income. - Seller-11/20/2025 <br> Open-Missing the 2 lease agreements for XXXX and XXXX that was used on final 1003 for income and per guides pg 87. - we need two months proof of receipt receiving this income. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Nothing is needed there is no income being used, no net losses, no net gains. They shouldn't even be on the application. These properties are both owned by a company, we exclude the debts. The only income in the transaction is base income. - Seller-11/20/2025<br>| Resolved-Commercial properties and not in the borrower's name, held in an LLC, updated 1003 provided removing them. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6296213 |
| XXXX | 24624061 | XXXX D B A C | Closed | FCRE3978 | 2025-11-18 16:33 | 2025-11-21 09:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-These properties are commercial and held in the name of businesses. - Due Diligence Vendor-11/21/2025 <br> Counter-Excluding XXXX will result in a DTI finding. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Addressed in email escalation - Seller-11/19/2025 <br> Open-Missing Letter of explanation and documentation for 2 REO's that are XXXX and XXXX one owner is owned by XXXX and the other is owned by XXXX. missing documentation of % ownership . - Due Diligence Vendor-11/18/2025 | Ready for Review-Addressed in email escalation - Seller-11/19/2025<br>| Resolved-These properties are commercial and held in the name of businesses. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 786; minimum score 680. Required is 680 Borrower has 786<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.69 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6295836 |
| XXXX | 25001654 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 27396143 | XXXX D A | Closed | FCRE1317 | 2025-11-20 10:45 | 2025-12-01 09:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Borrower 1 Employment Status is Employed). The disability LOE was to explain the income inconsistencies. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Please provide pay history for the disability. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months. LOE from borrower explains , borrower was on Disability from XXXX to XXXX. Missing evidence of pay history disability paid during this time. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Borrower 1 Total Years Employment Verified is Greater Than or Equal To 24 Months or Not Applicable (Borrower 1 Employment Status is Employed). The disability LOE was to explain the income inconsistencies. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 660. Required is 660 Borrower has 727<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% Required is 50 Borrower has 38.83<br>CLTV is less than guidelines maximum - CLTV is 64.20% and max allowed is 90% Required is 90 Borrower has 64.2 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6321613 |
| XXXX | 27396143 | XXXX D A | Closed | FCRE1506 | 2025-11-20 10:29 | 2025-12-01 09:39 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Per XXXX Work number VOE, borrower was employed until XXXX to XXXX, with new employment starting XXXX. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Pending receipt of missing credit documentation - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/24/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Per XXXX Work number VOE, borrower was employed until XXXX to XXXX, with new employment starting XXXX. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 660. Required is 660 Borrower has 727<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% Required is 50 Borrower has 38.83<br>CLTV is less than guidelines maximum - CLTV is 64.20% and max allowed is 90% Required is 90 Borrower has 64.2 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6321302 |
| XXXX | 27396143 | XXXX D A | Closed | FCRE8201 | 2025-11-20 10:54 | 2025-12-01 09:32 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Mortgage statement provided with the deferred non-interest balance on the first lien, which matches the payoff on the subject CD. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Counter-Settlement statement provide reflecting a payoff (to be determine) and documentation for the deferred balance was not attached. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Loan does not conform to program guidelines. Borrower had a Modification and missing evidence for the payoff date of the Forbearance. If seasoned less than or equal to 12 months, deferred balances must be paid through closing. Senior lien must be out of forbearance at time of application in order to be eligible. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Mortgage statement provided with the deferred non-interest balance on the first lien, which matches the payoff on the subject CD. - Due Diligence Vendor-12/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 660. Required is 660 Borrower has 727<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% Required is 50 Borrower has 38.83<br>CLTV is less than guidelines maximum - CLTV is 64.20% and max allowed is 90% Required is 90 Borrower has 64.2 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6321844 |
| XXXX | 27396143 | XXXX D A | Closed | FCRE0113 | 2025-11-20 09:42 | 2025-11-26 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received PCI - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Property/Appraisal General (Credit). Non-HPML loans require a Property Condition Inspection. Missing copy of the inspection for subject property.<br> - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received PCI - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 660. Required is 660 Borrower has 727<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% Required is 50 Borrower has 38.83<br>CLTV is less than guidelines maximum - CLTV is 64.20% and max allowed is 90% Required is 90 Borrower has 64.2 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6320011 |
| XXXX | 27396143 | XXXX D A | Closed | FCRE5782 | 2025-11-20 10:09 | 2025-11-25 16:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/24/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. Gap Report required per guidelines. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/24/2025<br>| Resolved-Received UDN - Due Diligence Vendor-11/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 727 and minimum allowed is 660. Required is 660 Borrower has 727<br>Qualifying DTI below maximum allowed - DTI is 38.83% and max allowed is 50% Required is 50 Borrower has 38.83<br>CLTV is less than guidelines maximum - CLTV is 64.20% and max allowed is 90% Required is 90 Borrower has 64.2 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6320838 |
| XXXX | 28887394 | XXXX D A | Closed | FCRE5782 | 2025-11-20 14:51 | 2025-12-02 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/30/2025 <br>Counter-Received financing statement-missing credit gap report. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap credit report within 10 days of closing - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. - Seller-11/30/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/02/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.94 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6330761 |
| XXXX | 23579705 | XXXX D A | Closed | FCRE5782 | 2025-11-22 14:54 | 2025-11-26 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report within 10 days of closing is Missing - Due Diligence Vendor-11/22/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 705<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.52 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6354708 |
| XXXX | 25076874 | XXXX D B A | Closed | FCRE3742 | 2025-11-22 19:43 | 2026-01-06 08:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan Amount does not meet eligibility requirement(s) | Waived-Lender exception applied to non-material finding with comp factors. Title reflects the modification was recorded in XXXX. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Counter-Received Exception that indicate the modification waiting period should be XXXX years, but is short by 5 months. Per Title there is a recent Loan Modification dated XXXX. Finding remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please submit for exception - Seller-12/26/2025 <br> Open-Per Title 1st Lien Mortgage was modified by Loan Modification Agreement dated XXXX and per guides, Loan Modification is consider a Derogatory event and a 4 years waiting period is required. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Ready for Review-Document Uploaded. Please submit for exception - Seller-12/26/2025<br>| Waived-Lender exception applied to non-material finding with comp factors. Title reflects the modification was recorded in XXXX. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.06 | Monthly reserves are verified AND at least 4 months more than guideline minimum, Qualifying DTI less than 35%, AND at least 10% less than guideline maximum, Housing payment history is 0x30x24 or better, Borrower has worked in same job more than 3 years, Borrower has worked in same industry more than 5 years, Borrower has verified residual Income (disposable income) of at least XXXX per month | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6354975 |
| XXXX | 25076874 | XXXX D B A | Closed | FCRE1441 | 2025-11-22 19:32 | 2026-01-06 08:33 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Lender exception applied to non-material finding with comp factors. Modification listed on title was recorded in XXXX. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Counter-Received Exception that indicate the modification waiting period should be 4 years, but is short by 5 months. Per Title there is a recent Loan Modification dated XXXX. Finding remains. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please submit for exception - Seller-12/26/2025 <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Per Title there is a recent Loan Modification dated XXXX which is consider a Derogatory Credit Events and per guidelines, loan modifications, or deferrals are treated as a short sale / deed-in-lieu for eligibility and pricing purposes, and a 4 years waiting period is required. provide copy of the modification to confirm event and if loan will meet product guidelines.<br> - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Ready for Review-Document Uploaded. Please submit for exception - Seller-12/26/2025<br>| Waived-Lender exception applied to non-material finding with comp factors. Modification listed on title was recorded in XXXX. - Due Diligence Vendor-01/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.06 | Monthly reserves are verified AND at least 4 months more than guideline minimum, Qualifying DTI less than 35%, AND at least 10% less than guideline maximum, Housing payment history is 0x30x24 or better, Borrower has worked in same job more than 3 years, Borrower has worked in same industry more than 5 years, Borrower has verified residual Income (disposable income) of at least XXXX per month | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6354966 |
| XXXX | 25076874 | XXXX D B A | Closed | FCRE1254 | 2025-11-22 19:25 | 2025-12-11 14:45 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received modification agreement. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Property Title Issue Provide copy of the Loan Modification agreement dated XXXX, Principal Balance of XXXX. - Due Diligence Vendor-11/23/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Received modification agreement. - Due Diligence Vendor-12/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6354961 |
| XXXX | 25076874 | XXXX D B A | Closed | FCRE5782 | 2025-11-22 18:50 | 2025-11-26 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 Gap Credit Report within 10 days of closing is Missing - Due Diligence Vendor-11/22/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received UDM - Due Diligence Vendor-11/26/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 785<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 6.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6354933 |
| XXXX | 23442795 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 25031768 | XXXX D A | Closed | FCRE1334 | 2025-11-26 08:20 | 2025-12-05 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 4506 C - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/04/2025 <br>Counter-Received 4506 but box 6 is incomplete. Please provide complete 4506 C - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/01/2025 <br>Open-Borrower 1 Executed 4506-T/4506-C is Missing Missing 4506C for Borrower 1. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/01/2025<br>| Resolved-Received 4506 C - Due Diligence Vendor-12/05/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min required is 680, Borrowers have 717 Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Max 85%, Borrowers have 77.17% Required is 85 Borrower has 77.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6397642 |
| XXXX | 23157983 | XXXX C B A | Closed | FCRE1200 | 2025-11-25 15:25 | 2025-12-01 13:55 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver for loan amount XXXX, applied to non material finding with comp factors. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX. Per guides the minimum allowed is XXXX. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Waived-Originator provided a waiver for loan amount XXXX, applied to non material finding with comp factors. - Due Diligence Vendor-12/01/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 774<br>Qualifying DTI below maximum allowed - 30.57% DTI; max 50% DT required Required is 50 Borrower has 40.24 | LPA Adjustment .250<br> Fico 774, 74>700 min <br> DTI 33%, 17% <50 max<br> SE 17 yrs, 15yrs >2yr Min <br> Res Inc 80k, 77K >1.5k Min | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6388976 |
| XXXX | 21233824 | XXXX D B C A | Closed | FCRE0970 | 2025-11-26 10:03 | 2026-01-21 15:35 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Guides indicate properties with no permanent heat source are acceptable if common to the area. It is typical for homes not to have permanent heat source in this geographical area. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Subject property has no heat source - Common for XXXX. Approved exception form from XXXX is required. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Guides indicate properties with no permanent heat source are acceptable if common to the area. It is typical for homes not to have permanent heat source in this geographical area. - Due Diligence Vendor-12/18/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6399405 |
| XXXX | 21233824 | XXXX D B C A | Closed | finding-3635 | 2025-11-25 11:49 | 2026-01-21 09:53 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Rec'd COC for increase. Finding resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Chain of title, Endorsement Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Rec'd COC for increase. Finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6384996 |
| XXXX | 21233824 | XXXX D B C A | Closed | FCRE1304 | 2025-12-01 11:41 | 2025-12-18 13:47 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Waived-Originator waiver applied to non-material finding with compensating factors. Exception for declining income, DTI is below 39% and qualifies. - Due Diligence Vendor-12/18/2025 <br> Counter-Unable to waive as there are 3 waivers. XXXX exception approval required. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Income 1 Income Trend is Decreasing YTD earnings are not within 10% of prior year. YTD has a 43% decline from XXXX earnings. Using YTD income DTI is below 39%. Approved exception form from XXXX is required. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Waived-Originator waiver applied to non-material finding with compensating factors. Exception for declining income, DTI is below 39% and qualifies. - Due Diligence Vendor-12/18/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 | Housing payment history is 0x30x24. Borrower has worked in same industry more than 5 years. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6429833 |
| XXXX | 21233824 | XXXX D B C A | Closed | FCRE6026 | 2025-11-26 10:06 | 2025-12-18 13:29 | Resolved | 1 - Information C A | Credit | Income/Employment | Potential Employment/income Issues identified in the file | Resolved-B has in her XXXX account stocks from her long time employer. Employer publicly traded. B may purchase stocks at a discount from her earnings(per LOE). These assets were not needed as the borrower received cash out proceeds(appox XXXX). - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-From time to time borrower owns stock in the company issuing the 1099's. Current ownership appears to be zero but per borrower LOE stock can be awarded as well as purchased at a discount. Total shares owned as of XXXX was XXXX shares sold on XXXX. Approved exception form from XXXX is required. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-B has in her E Trade account stocks from her long time employer. Employer publicly traded. B may purchase stocks at a discount from her earnings(per LOE). These assets were not needed as the borrower received cash out proceeds(appo XXXX). - Due Diligence Vendor-12/18/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 | Housing payment history 0x30x24 or better<br> borrower has worked in same industry more than 5 years | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6399526 |
| XXXX | 21233824 | XXXX D B C A | Closed | FCRE1510 | 2025-11-25 10:14 | 2025-12-08 15:34 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received legal - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Counter-Received Legal Description. Please provide chain to confirm legal recorded with Deed of Trust. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Mortgage is missing the legal description, Exhibit A. - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received legal - Due Diligence Vendor-12/08/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6381926 |
| XXXX | 21233824 | XXXX D B C A | Closed | FCRE5782 | 2025-11-30 10:38 | 2025-12-04 07:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Loan Debt Monitoring dated XXXX - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. The gap credit report is missing from the loan file. - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received Loan Debt Monitoring dated XXXX - Due Diligence Vendor-12/04/2025 | CLTV is less than guidelines maximum - Required is 90 Borrower has 84.85<br>Qualifying DTI below maximum allowed - Guideline maximum DTI 50%. Borrower's DTI is 33.76%. Required is 50 Borrower has 33.76 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6422779 |
| XXXX | 20842413 | XXXX D A C | Closed | FPRO1135 | 2025-11-26 19:52 | 2025-12-12 09:34 | Resolved | 1 - Information C A | Property | Appraisal | Primary Value Valuation Date is after the Note Date | Resolved-Primary Value Valuation Date of XXXX is prior to or equal to the Note Date of XXXX Or Primary Value Does Not Exist - Due Diligence Vendor-12/01/2025 <br> Open-Primary Value Valuation Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-11/27/2025 |  | Resolved-Primary Value Valuation Date of XXXX is prior to or equal to the Note Date of XXXX Or Primary Value Does Not Exist - Due Diligence Vendor-12/01/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410768 |
| XXXX | 20842413 | XXXX D A C | Closed | FCRE6666 | 2025-11-26 19:52 | 2025-12-12 09:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-12/01/2025 <br>Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. - Due Diligence Vendor-11/27/2025 |  | Resolved-All Additional valuation products were completed on or after the Primary Valuation product date, or Not Applicable. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6410769 |
| XXXX | 20842413 | XXXX D A C | Closed | FCRE1316 | 2025-11-26 20:08 | 2025-12-08 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VOE - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Counter-No document attached. Please provide 3rd party VOE prior to closing. - Due Diligence Vendor-12/04/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE missing from loan file - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received VOE - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6411054 |
| XXXX | 20842413 | XXXX D A C | Closed | FCRE7009 | 2025-12-01 07:39 | 2025-12-04 08:33 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Hazard Insurance reflecting sufficient coverage. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received Hazard Insurance reflecting sufficient coverage. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6425799 |
| XXXX | 20842413 | XXXX D A C | Closed | FCRE0044 | 2025-11-26 20:27 | 2025-12-04 08:29 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-LOX for credit inquiries is missing. LOX for credit inquiries is missing. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6411244 |
| XXXX | 20842413 | XXXX D A C | Closed | FCRE5782 | 2025-12-01 07:53 | 2025-12-04 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received Undisclosed Debt Verification. No new debt noted. - Due Diligence Vendor-12/04/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 7.58<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.76 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6425902 |
| XXXX | 23655675 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 22076591 | XXXX C A | Closed | FCRE0110 | 2025-12-01 15:14 | 2025-12-12 15:48 | Resolved | 1 - Information C A | Credit | Eligibility | Missing or incomplete documentation for Solar Panels | Resolved-Received Solar Documents and revised Appraisal. No change in value for lease solar. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025 <br> Open-The following solar related items are missing: <br> (1) Missing solar documentation to support Power Purchase Agreement meets XXXX B2-XXXX Solar Panel requirements for when a foreclosure occurs. <br> (2) Appraiser gave value to the solar panels and indicates they are paid. However, documentation provided shows they are leased under a Power Purchae Agreement. <br> (3) Missing comment from appraiser that the subject maintain's access to an alternate source of electric power that meets local community standards<br> (4) Additional findings may apply. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025<br>| Resolved-Received Solar Documents and revised Appraisal. No change in value for lease solar. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br> Residual Income =/> 1.5 times XXXX monthly residual income - Qualifying residual XXXX; minimum required NONE |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6434431 |
| XXXX | 22076591 | XXXX C A | Closed | FCRE1437 | 2025-12-02 20:32 | 2025-12-12 15:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the work number was provided in lieu of the 1005 + 2 months bank statements. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-The WVOE satisfied for this file. no need 2 months bank statement - Seller-12/11/2025 <br>Open-Income and Employment Do Not Meet Guidelines When Form 1005 is provided as specified above, 2 months personal bank statements supporting WVOE employment wages must <br> be provided. - Due Diligence Vendor-12/03/2025 | Ready for Review-The WVOE satisfied for this file. no need 2 months bank statement - Seller-12/11/2025<br>| Resolved-Upon further review, the work number was provided in lieu of the 1005 + 2 months bank statements. - Due Diligence Vendor-12/12/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br> Residual Income =/> 1.5 times XXXX monthly residual income - Qualifying residual XXXX; minimum required NONE |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6457212 |
| XXXX | 22076591 | XXXX C A | Closed | FCRE1254 | 2025-12-01 14:55 | 2025-12-11 16:01 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy and UCC filing. - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/10/2025 <br>Open-Property Title Issue Missing title supplement that confirms the lien position of our new mortgage ahead of the UCC or financing statement filing over the solar UCC filing as required per 3.6. <br> - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/10/2025<br>| Resolved-Received final title policy and UCC filing. - Due Diligence Vendor-12/11/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.76<br> Residual Income =/> 1.5 times XXXX monthly residual income - Qualifying residual XXXX; minimum required NONE |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6433995 |
| XXXX | 26804907 | XXXX C A | Closed | finding-3540 | 2025-11-30 16:42 | 2025-12-04 08:14 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-----Received electronically signed CD XXXX, finding resolved. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. attached - Seller-12/03/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Revised CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-11/30/2025 | Ready for Review-Document Uploaded. attached - Seller-12/03/2025<br>| Resolved-----Received electronically signed CD XXXX, finding resolved. - Due Diligence Vendor-12/04/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 780 and minimum allowed is 660. Required is 660 Borrower has 780<br>CLTV is less than guidelines maximum - CLTV is 57.92% and max allowed is 90% Required is 90 Borrower has 57.92 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6423182 |
| XXXX | 28732473 | XXXX B A | Closed | FCOM1125 | 2025-11-28 18:59 | 2025-11-28 19:46 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/29/2025 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/29/2025 | On time mortgage history exceeds guideline requirement - Credit Report reflects 0x30x54 months, guides require only 0x30x12 months<br>CLTV is less than guidelines maximum - Min is 80%, Borrowers have 56.41% Required is 80 Borrower has 56.41 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6420646 |
| XXXX | 28732473 | XXXX B A | Closed | FCOM1124 | 2025-11-28 18:59 | 2025-11-28 19:45 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/29/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-11/29/2025 | On time mortgage history exceeds guideline requirement - Credit Report reflects 0x30x54 months, guides require only 0x30x12 months<br>CLTV is less than guidelines maximum - Min is 80%, Borrowers have 56.41% Required is 80 Borrower has 56.41 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6420645 |
| XXXX | 28337975 | XXXX D A C | Closed | FPRO0023 | 2025-12-04 09:09 | 2026-01-21 11:21 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received Desk Review. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Counter-Desk review will be required as the AVM did not support the value. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-AVM was originally ordered for the loan but due to the blurry picture it was not able to be used, so an appraisal was ordered and used for the loan file. The CU score is 1 - please clear. - Seller-12/05/2025 <br>Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.55'. Appraisal is not supported by the AVM. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-AVM was originally ordered for the loan but due to the blurry picture it was not able to be used, so an appraisal was ordered and used for the loan file. The CU score is 1 - please clear. - Seller-12/05/2025<br>| Resolved-Received Desk Review. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.44 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6481634 |
| XXXX | 28337975 | XXXX D A C | Closed | FCRE5782 | 2025-12-03 08:19 | 2025-12-08 15:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing .The gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received UDM - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.44 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6461295 |
| XXXX | 28337975 | XXXX D A C | Closed | FCRE1510 | 2025-12-01 16:51 | 2025-12-08 15:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Legal. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 765<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.44 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6436595 |
| XXXX | 28795328 | XXXX C A | Closed | finding-3352 | 2025-12-02 14:53 | 2025-12-05 17:15 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-This loan meets HPML requirements and contains a full appraisal. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-This loan meets HPML requirements and contains a full appraisal. - Due Diligence Vendor-12/05/2025<br>| CLTV is less than guidelines maximum - Max is 80%, CLTV is 74.36% Required is 80 Borrower has 74.36<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, FICO is 728 Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Max is 50%, DTI is 41.42% Required is 50 Borrower has 41.42 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453305 |
| XXXX | 28795328 | XXXX C A | Closed | finding-47 | 2025-12-02 14:53 | 2025-12-05 07:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD 1XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. pccd - Seller-12/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date, XXXX.<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. pccd - Seller-12/04/2025<br>| Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/05/2025 | CLTV is less than guidelines maximum - Max is 80%, CLTV is 74.36% Required is 80 Borrower has 74.36<br>Qualifying FICO score is at least 20 points above minimum for program - Min required is 700, FICO is 728 Required is 700 Borrower has 728<br>Qualifying DTI below maximum allowed - Max is 50%, DTI is 41.42% Required is 50 Borrower has 41.42 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453301 |
| XXXX | 21821745 | XXXX D A | Closed | FCRE5783 | 2025-12-04 08:04 | 2025-12-08 15:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 805; minimum score 700. Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.03% max 50%. Required is 50 Borrower has 38.03 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6480713 |
| XXXX | 21821745 | XXXX D A | Closed | FCRE5782 | 2025-12-04 08:04 | 2025-12-08 15:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 805; minimum score 700. Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Qualifying DTI 38.03% max 50%. Required is 50 Borrower has 38.03 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6480712 |
| XXXX | 20801033 | XXXX D A | Closed | FCOM1262 | 2025-12-03 09:35 | 2025-12-09 08:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved------Right of Rescission is Provided - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Right of Rescission is Missing -----ROR is missing - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved------Right of Rescission is Provided - Due Diligence Vendor-12/09/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.39<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 774 and minimum allowed is 660 Required is 660 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 62.28 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6462456 |
| XXXX | 22715721 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 23643020 | XXXX C A | Closed | FCRE1440 | 2025-12-11 13:24 | 2025-12-18 16:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received XXXX Statement. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Attached mortgage statement is for XXXX payment which will show the payment made for XXXX. - Seller-12/17/2025 <br> Open-Housing History Does Not Meet Guideline Requirements- missing mortgage payment being made for XXXX payment with XXXX for subject property. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Attached mortgage statement is for XXXX payment which will show the payment made for XXXX. - Seller-12/17/2025 | Resolved-Received XXXX Statement. - Due Diligence Vendor-12/18/2025 | CLTV is less than guidelines maximum - CLTV 30.85 max 80%. Required is 80 Borrower has 30.85<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 798 minimum score 660. Required is 660 Borrower has 798 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6588787 |
| XXXX | 21954216 | XXXX B A | Closed | FCOM1353 | 2025-12-05 09:50 | 2025-12-05 10:31 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/05/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/05/2025<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 58.17<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.14<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 809 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6502136 |
| XXXX | 25417520 | XXXX D B A | Closed | FCOM1353 | 2025-12-08 08:20 | 2025-12-12 15:37 | Waived | 2 - Non-Material C B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025<br>| CLTV is less than guidelines maximum - CLTV 57.62% max 85% Required is 85 Borrower has 57.62<br>Qualifying DTI below maximum allowed - Qualifying DTI 8.7% max 50% Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700. Required is 680 Borrower has 742 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6525282 |
| XXXX | 25417520 | XXXX D B A | Closed | FCRE5782 | 2025-12-08 10:25 | 2025-12-12 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. UDM provided - Seller-12/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. UDM provided - Seller-12/11/2025<br>| Resolved-Received UDM - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV 57.62% max 85% Required is 85 Borrower has 57.62<br>Qualifying DTI below maximum allowed - Qualifying DTI 8.7% max 50% Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700. Required is 680 Borrower has 742 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6527462 |
| XXXX | 25417520 | XXXX D B A | Closed | FCOM1266 | 2025-12-07 09:37 | 2025-12-12 07:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved------Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. home counseling provided - Seller-12/11/2025 <br>Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date.<br> - Due Diligence Vendor-12/07/2025 | Ready for Review-Document Uploaded. home counseling provided - Seller-12/11/2025<br>| Resolved------Received Homeownership Counseling Disclosure - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV 57.62% max 85% Required is 85 Borrower has 57.62<br>Qualifying DTI below maximum allowed - Qualifying DTI 8.7% max 50% Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700. Required is 680 Borrower has 742 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6520044 |
| XXXX | 25417520 | XXXX D B A | Closed | FCOM5135 | 2025-12-08 08:26 | 2025-12-08 08:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025 |  | Waived-Required Affiliated Business Disclosure Missing -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/08/2025<br>| CLTV is less than guidelines maximum - CLTV 57.62% max 85% Required is 85 Borrower has 57.62<br>Qualifying DTI below maximum allowed - Qualifying DTI 8.7% max 50% Required is 50 Borrower has 8.31<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 742; minimum score 700. Required is 680 Borrower has 742 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6525366 |
| XXXX | 20568512 | XXXX C A | Closed | FCRE0184 | 2025-12-08 12:14 | 2025-12-16 15:34 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received cash out letter confirming business purpose. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/12/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing LOX Cash out letter. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/12/2025<br>| Resolved-Received cash out letter confirming business purpose. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below maximum allowed - Qualifying DTI 27.915 max 50%. Required is 50 Borrower has 27.91<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 700 ; minimum score 660. Required is 660 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6530690 |
| XXXX | 27815236 | XXXX D A C | Closed | finding-47 | 2025-12-07 13:04 | 2025-12-15 07:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD showing the Disbursement date is XXXX. Thank you - Seller-12/12/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date.<br> - Due Diligence Vendor-12/07/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD showing the Disbursement date is XXXX. Thank you - Seller-12/12/2025 | Resolved------Received PCCD XXXX disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/15/2025 | CLTV is less than guidelines maximum - CLTV is 58.86%, max allowed is 90%. Required is 90 Borrower has 58.86<br>Qualifying DTI below maximum allowed - DTI 24.23% max allowed is 50%. Required is 50 Borrower has 24.23<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score required is 720. Required is 720 Borrower has 795 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6520375 |
| XXXX | 27815236 | XXXX D A C | Closed | FCRE1334 | 2025-12-08 14:20 | 2025-12-12 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T/4506-C is Missing | Resolved-Received 1 years 4506-C - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025 <br> Open-Borrower 1 Executed 4506-T/4506-C is Missing for XXXX - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025<br>| Resolved-Received 1 years 4506-C - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV is 58.86%, max allowed is 90%. Required is 90 Borrower has 58.86<br>Qualifying DTI below maximum allowed - DTI 24.23% max allowed is 50%. Required is 50 Borrower has 24.23<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score required is 720. Required is 720 Borrower has 795 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6533925 |
| XXXX | 27815236 | XXXX D A C | Closed | FCRE1335 | 2025-12-08 14:20 | 2025-12-12 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received 1 years Transcripts - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing XXXX IRS Transcripts for borrower's self-employment and wage income. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025<br>| Resolved-Received 1 years Transcripts - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV is 58.86%, max allowed is 90%. Required is 90 Borrower has 58.86<br>Qualifying DTI below maximum allowed - DTI 24.23% max allowed is 50%. Required is 50 Borrower has 24.23<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score required is 720. Required is 720 Borrower has 795 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6533926 |
| XXXX | 27815236 | XXXX D A C | Closed | FCRE1324 | 2025-12-08 14:20 | 2025-12-12 15:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received signed 1120-S - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-12/12/2025 <br>Open-Borrower 1 Tax Returns Not Signed B1's business and personal tax returns are not signed. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-12/12/2025<br>| Resolved-Received signed 1120-S - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV is 58.86%, max allowed is 90%. Required is 90 Borrower has 58.86<br>Qualifying DTI below maximum allowed - DTI 24.23% max allowed is 50%. Required is 50 Borrower has 24.23<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score required is 720. Required is 720 Borrower has 795 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6533928 |
| XXXX | 27815236 | XXXX D A C | Closed | FCRE1328 | 2025-12-08 14:25 | 2025-12-12 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Received W-2 - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025 <br> Open-Borrower 1 W2/1099 Missing Missing W-2 for XXXX for borrower's employer (wage income) and missing XXXX W-2 for borrower's self-employment earnings, per the S-Corp's K-1 filing 'Statement A' which reflects XXXX in W-2 wages. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/11/2025<br>| Resolved-Received W-2 - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - CLTV is 58.86%, max allowed is 90%. Required is 90 Borrower has 58.86<br>Qualifying DTI below maximum allowed - DTI 24.23% max allowed is 50%. Required is 50 Borrower has 24.23<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 795; minimum score required is 720. Required is 720 Borrower has 795 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6534065 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE0113 | 2025-12-08 13:58 | 2025-12-23 17:12 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Received corrected appraisal. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Appraiser lists condo 0 of 3 units rented but lists subject as tenant occupied. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received corrected appraisal. - Due Diligence Vendor-12/23/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6533336 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE0108 | 2025-12-08 14:19 | 2025-12-17 14:36 | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, the loan file contained all required liability coverage. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Fidelity coverage required (if >20 units; except limited reviews) - Seller-12/16/2025 <br>Open-Fidelity Coverage not met. - Due Diligence Vendor-12/08/2025 | Ready for Review-Fidelity coverage required (if >20 units; except limited reviews) - Seller-12/16/2025<br>| Resolved-Upon further review, the loan file contained all required liability coverage. - Due Diligence Vendor-12/17/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6533910 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE1158 | 2025-12-08 14:19 | 2025-12-17 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HO6 - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Counter-Received duplicate master policy. Missing HO6. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. h06 and master policies provided - Seller-12/11/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. h06 and master policies provided - Seller-12/11/2025<br>| Resolved-Received HO6 - Due Diligence Vendor-12/17/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6533911 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE0009 | 2025-12-15 14:37 | 2025-12-15 14:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Condo Rider | Resolved-Received Condo Rider, finding resolved. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Received Condo Rider - Due Diligence Vendor-12/15/2025 <br>Open-Missing Condo Rider - Due Diligence Vendor-12/15/2025 |  | Resolved-Received Condo Rider, finding resolved. - Due Diligence Vendor-12/15/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6630456 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE0053 | 2025-12-08 13:54 | 2025-12-12 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Rider Missing based on Property Type selected | Resolved-Received Condo Rider. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Rider Missing from DOT screen based on Property Type selected on Property Page. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received Condo Rider. - Due Diligence Vendor-12/12/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6533176 |
| XXXX | 21867689 | XXXX D A | Closed | FCRE5782 | 2025-12-08 14:40 | 2025-12-12 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025<br>| Credit history exceeds minimum required - Credit History = 250 Months Minimum Credit History = 24 Months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6534447 |
| XXXX | 28206337 | XXXX C A | Closed | FCRE1510 | 2025-12-09 10:15 | 2025-12-15 16:37 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-12/11/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- missing legal description - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/11/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-12/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 69.51 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6546675 |
| XXXX | 20302015 | XXXX D B A | Closed | FCRE5782 | 2025-12-11 11:00 | 2025-12-17 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.78<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 51.18 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6584584 |
| XXXX | 20302015 | XXXX D B A | Closed | FCRE2244 | 2025-12-11 10:35 | 2025-12-12 23:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Does Not Meet Guidelines (credit) | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to property is only XXXX acres and the max acres allow is 2.0 - Due Diligence Vendor-01/21/2026 <br> Open-Property Issues are identified for the property Max eligible acreage for subject is 2 acres, subject has XXXX acres - Due Diligence Vendor-12/11/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. Deemed non material due to property is only XXXX acres and the max acres allow is 2.0 - Due Diligence Vendor-01/21/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.78<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 51.18 | LTV less than 70%, AND at least 5% less than guideline maximum<br> Qualifying DTI less than 35%, AND at least 10% less than guideline maximum<br> Housing payment history is 0x30x24 or better<br> Borrower has worked in same job more than 3 years<br> Borrower has worked in same industry more than 5 years<br> Borrower has verified residual Income (disposable income) of at least XXXX per month |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6584065 |
| XXXX | 29394165 | XXXX D B A | Closed | FCRE1510 | 2025-12-10 09:28 | 2025-12-19 15:03 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Legal - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description Exhibit A. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received Legal - Due Diligence Vendor-12/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, min required is 700 Required is 700 Borrower has 726<br>Qualifying DTI below maximum allowed - 18.31% DTI, 50% max allowed Required is 50 Borrower has 18.31<br>CLTV is less than guidelines maximum - 52.17% CLTV, 85% max allowed. Required is 85 Borrower has 52.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6564545 |
| XXXX | 29394165 | XXXX D B A | Closed | FCRE5782 | 2025-12-12 13:10 | 2025-12-17 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, min required is 700 Required is 700 Borrower has 726<br>Qualifying DTI below maximum allowed - 18.31% DTI, 50% max allowed Required is 50 Borrower has 18.31<br>CLTV is less than guidelines maximum - 52.17% CLTV, 85% max allowed. Required is 85 Borrower has 52.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6605441 |
| XXXX | 29394165 | XXXX D B A | Closed | FCOM1124 | 2025-12-10 09:36 | 2025-12-10 11:04 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX -----Originator waiver applied to non-material Findings. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - 726 FICO, min required is 700 Required is 700 Borrower has 726<br>Qualifying DTI below maximum allowed - 18.31% DTI, 50% max allowed Required is 50 Borrower has 18.31<br>CLTV is less than guidelines maximum - 52.17% CLTV, 85% max allowed. Required is 85 Borrower has 52.17 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6564698 |
| XXXX | 24209259 | XXXX C A | Closed | FCOM9998 | 2025-12-11 14:11 | 2025-12-17 09:01 | Resolved | 1 - Information C A | Compliance | TRID | Closing Disclosure Issue | Resolved------Received PCCD XXXX, no PMI in escrow. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open------Final Cd XXXX discloses mortgage insurance in escrow. Final Cd XXXX does not list mortgage insurance in projected payments. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved------Received PCCD XXXX, no PMI in escrow. Finding resolved. - Due Diligence Vendor-XXXX | Qualifying DTI below maximum allowed - qualifying DTI 35.2% max 50%. Required is 50 Borrower has 28.83<br>On time mortgage history exceeds guideline requirement - 0x30 on time mortgage history. |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6590184 |
| XXXX | 29586450 | XXXX C A | Closed | FCRE0105 | 2025-12-12 11:45 | 2026-01-08 15:47 | Resolved | 1 - Information C A | Credit | Eligibility | Condo Structural Reports not in file | Resolved-Received confirmation property not subject to SB326 - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Counter-Please provide documentation from the HOA the subject is exempt from SB326. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Hello Team, can you please review appraisal? it shows there are no elevated structures covered by SB 326 in the subject property project. Thank you - Seller-12/30/2025 <br> Counter-Received email but does not confirm exempt from XXXX Structural Inspection. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the email chain from the HOA to the investor, there's no SB326 inspection for the subject property. Thank you - Seller-12/23/2025 <br> Counter-Received HOA questionnaire. HOA to confirm milestone inspection is not required. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Hello Team, per the questionnaire states there's no inspection on file meaning they have not conducted a SB326 inspection so there's no report available. Please waive this condition. Thanks - Seller-12/19/2025 <br> Open-The file does not contain the required structural engineer report per state law. Missing the required structural engineering report. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026 <br>Ready for Review-Hello Team, can you please review appraisal? it shows there are no elevated structures covered by SB 326 in the subject property project. Thank you - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the email chain from the HOA to the investor, there's no SB326 inspection for the subject property. Thank you - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. Hello Team, per the questionnaire states there's no inspection on file meaning they have not conducted a SB326 inspection so there's no report available. Please waive this condition. Thanks - Seller-12/19/2025<br>| Resolved-Received confirmation property not subject to SB326 - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 49.05 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6603724 |
| XXXX | 29586450 | XXXX C A | Closed | FCRE1204 | 2025-12-12 11:33 | 2025-12-29 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received clearance for all parties on fraud report. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/24/2025 <br> Counter-Received XXXX clearance. Missing clearance for title officer on the financial sanctions list - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see the LDP/ GSA for this file. Thank you - Seller-12/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts Fraud report reflects a High Alert for the title officer on the financial sanctions list. No documentation to support the alert has been cleared. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/24/2025 <br>Ready for Review-Document Uploaded. Hello Team, please see the LDP/ GSA for this file. Thank you - Seller-12/19/2025<br>| Resolved-Received clearance for all parties on fraud report. - Due Diligence Vendor-12/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 49.05 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6603500 |
| XXXX | 29586450 | XXXX C A | Closed | FCRE8201 | 2025-12-15 14:14 | 2025-12-23 16:14 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received final title policy. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached the Final Title Policy. Thank you - Seller-12/19/2025 <br> Open-Borrower is paying off a credit line with XXXX, missing documentation to support the credit line has been closed. File contains the closure letter for credit lien with XXXX only. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Hello, please see attached the Final Title Policy. Thank you - Seller-12/19/2025<br>| Resolved-Received final title policy. - Due Diligence Vendor-12/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 49.05 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6629893 |
| XXXX | 29586450 | XXXX C A | Closed | finding-47 | 2025-12-11 12:59 | 2025-12-22 07:41 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. FInding resolved. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX<br> Thank you - Seller-12/19/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. <br> - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX.<br> Thank you - Seller-12/19/2025 | Resolved-Received PCCD XXXX. FInding resolved. - Due Diligence Vendor-12/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 49.05 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6588075 |
| XXXX | 29586450 | XXXX C A | Closed | finding-3617 | 2025-12-11 12:59 | 2025-12-22 07:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. FInding resolved. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-12/19/2025 <br> Open-This loan failed the TRID closing disclosure date and funding date validation test.This loan contains a closing disclosure receipt date (or closing disclosure delivery date if receipt date was not provided) that is after the funding date. Please review the loan data to ensure the dates are in the correct fields. -----Final CD shows disbursement date of XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. <br> - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-12/19/2025 | Resolved-Received PCCD XXXX. FInding resolved. - Due Diligence Vendor-12/22/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 709<br>CLTV is less than guidelines maximum - Required is 70 Borrower has 49.05 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6588076 |
| XXXX | 21028746 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 20652703 | XXXX D A | Closed | FCRE1506 | 2025-12-15 13:19 | 2025-12-19 16:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received XXXX W2 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025 <br> Open-Missing the w-2 for for borrower 2. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025<br>| Resolved-Received XXXX W2 - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.12<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 67.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6628450 |
| XXXX | 20652703 | XXXX D A | Closed | FCRE1507 | 2025-12-15 13:19 | 2025-12-19 16:05 | Resolved | 1 - Information C A | Credit | QM-ATR | Discrepancy between Originator QM Status and Final QM Status | Resolved-Received W2 for B2 - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025 <br>Open-Missing the w-2 for borrower 2. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025<br>| Resolved-Received W2 for B2 - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.12<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 67.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6628451 |
| XXXX | 20652703 | XXXX D A | Closed | FCRE1358 | 2025-12-13 20:11 | 2025-12-19 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received XXXX w2 for B2 - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025 <br> Open-Borrower 2 W2/1099 Missing Missing the required w-2s for borrower 2 - Due Diligence Vendor-12/14/2025 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-12/18/2025<br>| Resolved-Received XXXX w2 for B2 - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.12<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 67.96<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 702 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6615117 |
| XXXX | 29390610 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 25155204 | XXXX D A | Closed | FCRE7009 | 2025-12-17 11:16 | 2025-12-31 11:33 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated policy provided confirming replacement cost. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not meet the combined loan amount of the 1st and 2nd lien. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Updated policy provided confirming replacement cost. - Due Diligence Vendor-12/31/2025<br>| Qualifying DTI below maximum allowed - DTI is 39.32% and max allowed is 50% Required is 50 Borrower has 39.32<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700 Required is 700 Borrower has 729 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6662569 |
| XXXX | 25155204 | XXXX D A | Closed | FCRE1316 | 2025-12-17 11:32 | 2025-12-30 17:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Processor Certification confirming VOE date - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-Received Div of Corp printout. Date of search not provided. Please provide VVOE form or processor cert confirming date report pulled. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . The existence of the borrower's business must be verified within 30 calendar days prior to the note date. CPA letter outside 30 days and XXXX is not dated. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received Processor Certification confirming VOE date - Due Diligence Vendor-12/30/2025<br>| Qualifying DTI below maximum allowed - DTI is 39.32% and max allowed is 50% Required is 50 Borrower has 39.32<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700 Required is 700 Borrower has 729 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6663390 |
| XXXX | 25155204 | XXXX D A | Closed | FCRE5782 | 2025-12-17 11:49 | 2025-12-23 17:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. The gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - DTI is 39.32% and max allowed is 50% Required is 50 Borrower has 39.32<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700 Required is 700 Borrower has 729 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6664107 |
| XXXX | 28342181 | XXXX D A | Closed | FCRE1345 | 2025-12-18 08:48 | 2025-12-19 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Document Uploaded. Lease provided in the amount of XXXX per month. - Due Diligence Vendor-12/19/2025 <br> Open-Borrower 1 Lease Agreements Missing Missing current lease agreement forXXXX on the loan application reflecting gross rent income of XXXX per month. Additional conditions may apply, pending review. - Due Diligence Vendor-12/18/2025 |  | Resolved-Document Uploaded. Lease provided in the amount of XXXX per month. - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.31<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6681062 |
| XXXX | 28342181 | XXXX D A | Closed | FCRE8888 | 2025-12-17 21:58 | 2025-12-19 10:00 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-First lien Note provided. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Missing copy of XXXX Note for subject purchase/primary lien. Subject to review, additional conditions may apply. - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-First lien Note provided. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.31<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6676442 |
| XXXX | 28342181 | XXXX D A | Closed | FCRE1506 | 2025-12-17 21:36 | 2025-12-19 09:58 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/19/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing current lease agreement for REO XXXX on the loan application reflecting gross rent income of XXXX per month. <br> Missing copy of first lien Note. - Due Diligence Vendor-12/18/2025 |  | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.31<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6676289 |
| XXXX | 25548171 | XXXX C A | Closed | finding-47 | 2025-12-17 15:11 | 2025-12-23 09:08 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. please see the uploaded PCCD - Seller-12/21/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. please see the uploaded PCCD - Seller-12/21/2025<br>| Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 | CLTV is less than guidelines maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.55 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6668767 |
| XXXX | 25548171 | XXXX C A | Closed | finding-3540 | 2025-12-17 15:11 | 2025-12-23 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Please see the upl pccd - Seller-12/21/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. -----Missing valid COC for applicable increases. Statute of Limitations 3 years- Expiration date is XXXX. <br> - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. Please see the upl pccd - Seller-12/21/2025<br>| Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 | CLTV is less than guidelines maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.55 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6668768 |
| XXXX | 25548171 | XXXX C A | Closed | finding-3635 | 2025-12-17 15:11 | 2025-12-23 09:08 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-per Funding Manager - Not over 10% escrow fees are in section C and recording fee is less than initial LE - Seller-12/21/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (XXXX) exceed the comparable charges (XXXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (Recording Fee) increased by XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX.<br>- Due Diligence Vendor-12/17/2025 | Ready for Review-per Funding Manager - Not over 10% escrow fees are in section C and recording fee is less than initial LE - Seller-12/21/2025<br>| Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 | CLTV is less than guidelines maximum - Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 685<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 31.55 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6668772 |
| XXXX | 28552100 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 29921494 | XXXX C A | Closed | finding-47 | 2025-12-17 12:34 | 2025-12-23 08:16 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you - Seller-12/22/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date of XXXX. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you - Seller-12/22/2025 | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-12/23/2025 | Qualifying DTI below maximum allowed - Required is 50. Borrower has 41.26. Required is 50 Borrower has 41.26<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720. Borrower has 784. Required is 720 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6665209 |
| XXXX | 27208804 | XXXX D A C | Closed | FCRE5782 | 2025-12-19 13:28 | 2025-12-30 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines state a gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. The gap report or UDM is missing from the loan file. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received Gap report. - Due Diligence Vendor-12/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x40 months housing history exceeds 0x30x12 months per guides.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 765. Required is 700 Borrower has 765 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6709660 |
| XXXX | 27208804 | XXXX D A C | Closed | finding-3542 | 2025-12-17 15:28 | 2025-12-30 11:23 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-If APR decreases, it does not have a waiting period before closing to be sent to the borrower - Seller-12/26/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- The APR of 9.682% on CD XXXX changed to 9.66% on final CD XXXX without a new three day waiting period. - Due Diligence Vendor-12/17/2025 | Ready for Review-If APR decreases, it does not have a waiting period before closing to be sent to the borrower - Seller-12/26/2025<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-12/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x40 months housing history exceeds 0x30x12 months per guides.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 765. Required is 700 Borrower has 765 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6669141 |
| XXXX | 23090963 | XXXX D A | Closed | FCRE0082 | 2025-12-22 15:18 | 2025-12-23 09:08 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Operating agreement showing 50% ownership provided. 100% ownership is not required. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Escalated - Seller-12/23/2025 <br> Open-Vested Owner Signature Requirement Not met. - title prelim currently vesting under XXXX which appears per grant deed as borrower's business and needs to be vested as individual per note and mortgage. <br> Please provide operating agreement for business entity and articles of organization to verify 100% ownership . - Due Diligence Vendor-12/22/2025 | Ready for Review-Escalated - Seller-12/23/2025<br>| Resolved-Operating agreement showing 50% ownership provided. 100% ownership is not required. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - DTI 8.40% max 50%. Required is 50 Borrower has 8.4<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 minimum score 700. Required is 700 Borrower has 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6745032 |
| XXXX | 23090963 | XXXX D A | Closed | FCOM4247 | 2025-12-22 15:20 | 2025-12-23 06:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing HUD-1 Closing Statement | Resolved-HUD from purchase provided. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Missing CD for 1st lien note for subject when loan was acquired. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-HUD from purchase provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - DTI 8.40% max 50%. Required is 50 Borrower has 8.4<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 minimum score 700. Required is 700 Borrower has 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6745070 |
| XXXX | 23090963 | XXXX D A | Closed | FCRE4963 | 2025-12-22 15:20 | 2025-12-23 06:48 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Second lien payoff provided. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-Missing payoff of 2nd lien note per CD paying off 2nd to XXXX - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Second lien payoff provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - DTI 8.40% max 50%. Required is 50 Borrower has 8.4<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 minimum score 700. Required is 700 Borrower has 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6745089 |
| XXXX | 23090963 | XXXX D A | Closed | FCRE6546 | 2025-12-22 15:19 | 2025-12-23 06:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-First lien note provided. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Missing 1st Lien Note for subject property when acquired property. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-First lien note provided. - Due Diligence Vendor-12/23/2025<br>| Qualifying DTI below maximum allowed - DTI 8.40% max 50%. Required is 50 Borrower has 8.4<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 730 minimum score 700. Required is 700 Borrower has 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6745050 |
| XXXX | 29352886 | XXXX B A | Closed | FCOM5135 | 2025-12-19 14:58 | 2025-12-19 14:58 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/19/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-12/19/2025<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 40.16. Required is 50 Borrower has 40.16<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 733. Required is 660 Borrower has 733<br>CLTV is less than guidelines maximum - Required is 90. Borrower has 37.23. Required is 90 Borrower has 37.23 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6712475 |
| XXXX | 21139264 | XXXX D A | Closed | FCRE0044 | 2025-12-23 14:08 | 2025-12-30 17:51 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-LOX for credit inquiries is missing. LOE for credit inquiries is missing. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-12/30/2025<br>| Verified employment history exceeds guidelines - Borrower has been employed with same employer for more than 3 years.<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 62 months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6767367 |
| XXXX | 21139264 | XXXX D A | Closed | FCRE5782 | 2025-12-23 14:02 | 2025-12-30 17:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report for borrower 1. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/30/2025<br>| Verified employment history exceeds guidelines - Borrower has been employed with same employer for more than 3 years.<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 62 months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6767214 |
| XXXX | 21139264 | XXXX D A | Closed | FCRE5783 | 2025-12-23 14:02 | 2025-12-30 17:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit Report for borrower 2. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/30/2025<br>| Verified employment history exceeds guidelines - Borrower has been employed with same employer for more than 3 years.<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 62 months<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.19<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 727 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 6767215 |
| XXXX | 26522609 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 4**

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| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades Moody's** | **Initial Compliance Loan Grades Moody's** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Initial Overall Loan Grades Moody's** | **Final Credit Loan Grades Moody's** | **Final Compliance Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** | **Final Overall Loan Grades Moody's** |
| XXXX | 27961648 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29397780 | XXXX | XXXX D | N/A D | N/A | D | D | N/A | D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24069393 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28040783 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22764520 | XXXX | XXXX C | N/A C | N/A C | D | D | N/A | D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 24372135 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 22700809 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 28384680 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28965203 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 22623388 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22477201 | XXXX | XXXX C | N/A C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 21906951 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27744760 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20667675 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22073246 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 24125212 | XXXX | XXXX C | N/A C | N/A C | C | C | N/A | C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27129081 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22043072 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23041550 | XXXX | XXXX C | N/A C | N/A | D | D | N/A | D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25860156 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29162437 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21400193 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28938911 | XXXX | XXXX D | N/A D C | N/A C | C | C | N/A | C D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23864608 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 22009944 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27630532 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21419048 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 20060064 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28082574 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27724758 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24302342 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21295547 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24801232 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20537991 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 29594325 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 24160568 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24698184 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24782772 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 25916069 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26090465 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20578548 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23735553 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24916623 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20222779 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 20642986 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29859603 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29048724 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22716088 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26215705 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26495237 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23077134 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 28832830 | XXXX | XXXX D | N/A D | N/A | D | D | N/A | D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 20819539 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26924472 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24400002 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28965405 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 21780037 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 29530505 | XXXX | XXXX A | N/A | N/A | D | D | N/A | D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28894756 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 29280649 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22700028 | XXXX | XXXX D | N/A D B | N/A B | C | C | N/A | C D | N/A D | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 20454615 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25425904 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26932120 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24520773 | XXXX | XXXX C | N/A C | N/A | D | D | N/A | D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24048496 | XXXX | XXXX C | N/A C B | N/A B | N/A | N/A | N/A | N/A C | N/A C | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 23771959 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25444366 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28010359 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25797921 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 23754481 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21548089 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27132310 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 26879244 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22605237 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24209113 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 22174752 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 20836701 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24611916 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24673268 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28658030 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21195814 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22242470 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 25135771 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20867729 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 29229402 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 29263235 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 24085294 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 26116263 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26087803 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22016459 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28986126 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 23992298 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28776363 | XXXX | XXXX B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28768041 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21912868 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28490246 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 24440677 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 28928232 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 26288497 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 24522416 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 24802291 | XXXX | XXXX D | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26811750 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29196067 | XXXX | XXXX D | N/A D | N/A D | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 20149883 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 27300834 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27572405 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20084940 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29516312 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 21557217 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21877090 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26886332 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 28360090 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24978185 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25920256 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23955362 | XXXX | XXXX C | N/A C D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26812588 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29214551 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29517620 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20031844 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22289745 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22946172 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 22805045 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22651160 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25832287 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27589153 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 22915108 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28613755 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 27244168 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24176082 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 24197032 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23410376 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 22091323 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 24834634 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26369136 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21980657 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 29804466 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 28928459 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 25826023 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27856714 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29856789 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25994884 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 24943334 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 29650949 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 24075819 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 23483073 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21651173 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 29094604 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20157745 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26246192 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 25982368 | XXXX | XXXX D | N/A D C | N/A C | D | D | N/A | D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 24459165 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 24263455 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 27471532 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 24624061 | XXXX | XXXX D | N/A D C | N/A C | A | A | N/A | A D | N/A D | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 25001654 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27396143 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28887394 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 23579705 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 25076874 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 23442795 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25031768 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 23157983 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C B | N/A B | N/A | A | A | N/A | A B | N/A B |
| XXXX | 21233824 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | C D | N/A D B | N/A B | N/A | A | A | N/A | C B | N/A B |
| XXXX | 20842413 | XXXX | XXXX D | N/A D | N/A | C | C | N/A | C D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23655675 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22076591 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 26804907 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28732473 | XXXX | XXXX A | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 28337975 | XXXX | XXXX D | N/A D | N/A | C | C | N/A | C D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28795328 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21821745 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20801033 | XXXX | XXXX A | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 22715721 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 23643020 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 21954216 | XXXX | XXXX A | N/A B | N/A B | A | A | N/A | A B | N/A B | N/A B | N/A B | A | A | N/A | A B | N/A B |
| XXXX | 25417520 | XXXX | XXXX D | N/A D | N/A D | N/A | N/A | N/A | N/A D | N/A D | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 20568512 | XXXX | XXXX C | N/A C | N/A | N/A | N/A | N/A | C | N/A C | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 27815236 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 21867689 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | C D | N/A D | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 28206337 | XXXX | XXXX C | N/A C | N/A | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20302015 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D B | N/A B | N/A | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 29394165 | XXXX | XXXX D | N/A D B | N/A B | N/A | N/A | N/A | C D | N/A D | N/A B | N/A B | A | A | N/A | C B | N/A B |
| XXXX | 24209259 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29586450 | XXXX | XXXX C | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 21028746 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 20652703 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29390610 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | C A | N/A C | N/A | N/A | A | A | N/A | C A | N/A |
| XXXX | 25155204 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 28342181 | XXXX | XXXX D | N/A D | N/A | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 25548171 | XXXX | XXXX A | N/A C | N/A C | N/A | N/A | N/A | N/A C | N/A C | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 28552100 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 29921494 | XXXX | XXXX A | N/A C | N/A C | A | A | N/A | A C | N/A C | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 27208804 | XXXX | XXXX D | N/A D C | N/A C | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 23090963 | XXXX | XXXX D | N/A D | N/A D | A | A | N/A | A D | N/A D | N/A | N/A | A | A | N/A | A | N/A |
| XXXX | 29352886 | XXXX | XXXX A | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B | N/A B | N/A B | N/A | N/A | N/A | N/A B | N/A B |
| XXXX | 21139264 | XXXX | XXXX D | N/A D | N/A | N/A | N/A | N/A | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 26522609 | XXXX | XXXX A | N/A | N/A | A | A | N/A | A | N/A | N/A | N/A | A | A | N/A | A | N/A |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 27961648 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3057.5 | 06/23/2025 | 6.830% |  |  | No | 12.595% |  | 11.875% |  | XXXX | No |  | XXXX | XXXX | $1977.36 | $164.78 | $0.00 | $0.00 | $1380.72 | $2532.33 | $4890.61 | N/A |  |  | $0.00 |  |  | 0.00% | 48.97% | 48.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/11/2025 | 06/11/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.9 | No | 74.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29397780 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $834.36 | $69.53 | $900.00 | $75.00 | $1748.93 | $3307.74 | $39724.51 | Yes | XXXX | XXXX | $75.00 | 09/01/2025 | Monthly | 0.00% | 26.56% | 26.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/16/2025 | 07/16/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 25.8 | No | 70.1 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24069393 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21620 | 07/07/2025 | 6.670% |  |  | No | 8.978% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2979.00 | $248.25 | $3000.00 | $250.00 | $12971.96 | $21381.73 | $28776.36 | N/A | XXXX | XXXX | $250.00 | 09/01/2026 | Annually | 0.00% | 45.38% | 45.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 33.9 | No | 57.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28040783 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 21620 | 07/14/2025 | 6.750% |  |  | No | 9.863% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $13350.00 | $1112.50 | $0.00 | $0.00 | $38445.67 | $52236.99 | $207868.87 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 36.57% | 36.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/28/2025 | 07/28/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.1 | XXXX | 14.9 | No | 67.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 22764520 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7166.88 | 07/21/2025 | 6.790% |  |  | No | 12.146% |  | 11.500% |  | XXXX | No |  | XXXX | XXXX | $1074.00 | $89.50 | $0.00 | $0.00 | $2715.41 | $5654.72 | $15760.21 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 37.15% | 37.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/18/2025 | 07/18/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.7 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24372135 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXXX | Yes | 35.000% | XXXX | XXXX | $3481.44 | $290.12 | $0.00 | $0.00 | $1477.36 | $3268.55 | $18837.01 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 41.58% | 41.58% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/27/2025 | 05/27/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.3 | XXXX | 39.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22700809 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10995 | 06/30/2025 | 6.770% |  |  | No | 9.431% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $2712.00 | $226.00 | $0.00 | $0.00 | $3467.17 | $9164.64 | $16038.66 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 40.79% | 40.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 17 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/19/2025 | 07/19/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 14 | No | 54.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28384680 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4943.75 | 07/07/2025 | 6.670% |  |  | No | 9.260% |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $1512.96 | $126.08 | $0.00 | $0.00 | $2250.27 | $4892.61 | $8518.07 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 38.85% | 38.85% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/02/2025 | 07/02/2025 | 07/02/2025 |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 29.9 | No | 69.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28965203 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4668.5 | 07/14/2025 | 6.750% |  |  | No | 10.151% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $3234.96 | $269.58 | $0.00 | $0.00 | $1403.98 | $2890.16 | $6797.50 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 43.00% | 43.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/03/2025 | 07/03/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.2 | XXXX | 60.3 | No | 64.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22623388 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9295 | 07/28/2025 | 6.750% |  |  | No | 10.228% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $2452.56 | $204.38 | $0.00 | $0.00 | $2756.37 | $7105.30 | $23836.78 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 30.61% | 30.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/22/2025 | 07/22/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22477201 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 10/02/2024 | 6 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2145 | 06/30/2025 | 6.770% |  |  | No | 9.428% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $1395.00 | $116.25 | $0.00 | $0.00 | $2220.42 | $3523.99 | $4066.89 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 47.14% | 47.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/03/2025 | 07/03/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 1.8 | No | 63.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21906951 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6495 | 07/21/2025 | 6.790% |  |  | No | 9.465% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $889.68 | $74.14 | $0.00 | $0.00 | $1740.83 | $3841.55 | $5001.62 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/20/2025 | 07/20/2025 |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 49 | No | 58.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27744760 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3795 | 07/28/2025 | 6.750% |  |  | No | 9.541% |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2874.96 | $239.58 | $0.00 | $0.00 | $1631.80 | $3470.50 | $12032.71 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 29.57% | 29.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/19/2025 | 07/19/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 38 | No | 60.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20667675 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2745 | 07/28/2025 | 6.750% |  |  | No | 11.479% |  | 10.750% |  | XXXX | No |  | XXXX | XXXX | $5034.00 | $419.50 | $0.00 | $0.00 | $3007.28 | $5215.38 | $31956.94 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 28.90% | 28.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 12 | No | 77.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22073246 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2750 | 06/23/2025 | 6.830% |  |  | No | 9.178% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $3606.48 | $300.54 | $0.00 | $0.00 | $3090.47 | $5050.51 | $9784.49 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 40.70% | 40.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/19/2025 | 06/19/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 18.9 | No | 38.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24125212 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6245 | 07/07/2025 | 6.670% |  |  | No | 12.879% |  | 12.625% |  | XXXX | No |  | XXXX | XXXX | $17355.84 | $1446.32 | $0.00 | $0.00 | $14673.89 | $20831.51 | $179084.32 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 11.38% | 11.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.2 | No | 75.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27129081 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 11495 | 08/04/2025 | 6.750% |  |  | No | 10.454% |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $167.16 | $13.93 | $0.00 | $0.00 | $7947.20 | $11422.09 | $43656.70 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 36.05% | 36.05% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 65 | Work Number | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 | 07/30/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.1 | No | 77.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 22043072 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15385.5 | 07/28/2025 | 6.750% |  |  | No | 9.837% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $1869.96 | $155.83 | $0.00 | $0.00 | $2180.45 | $8373.87 | $19097.06 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 35.40% | 35.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/29/2025 | 07/29/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 64.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 23041550 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 17183.52 | 07/28/2025 | 6.750% |  |  | No | 9.708% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $2795.52 | $232.96 | $0.00 | $0.00 | $2761.51 | $9816.28 | $20490.64 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 36.35% | 36.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | PTIN |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 29.5 | No | 62.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25860156 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $1142.04 | $95.17 | $0.00 | $0.00 | $2608.21 | $4723.69 | $82929.94 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 25.87% | 25.87% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 19 | Yes | 19 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 \|\| Co Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 | 06/05/2025 |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.66 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 29162437 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $7976.04 | $664.67 | $2880.00 | $240.00 | $1755.55 | $5205.97 | $30086.73 | N/A | XXXX | XXXX | $240.00 |  | Monthly | 0.00% | 36.14% | 36.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 186 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/17/2025 | 07/17/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 16 | No | 56.12 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21400193 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.375% |  | XXXX | No |  | XXXX | XXXX | $626.04 | $52.17 | $3900.00 | $325.00 | $923.23 | $2515.80 | $18812.43 | N/A | XXXX | XXXX | $325.00 |  | Monthly | 0.00% | 27.61% | 27.61% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 \|\| Co Borrower | Borrower - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 06/11/2025 | 06/11/2025 | 06/11/2025 |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 46.9 | No | 33.75 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28938911 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2495 | 08/18/2025 | 6.610% |  |  | No | 8.625% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $3499.08 | $291.59 | $0.00 | $0.00 | $1442.23 | $2677.01 | $3185.77 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/24/2025 | 07/24/2025 |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9.1 | No | 77.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23864608 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3249.22 | 07/28/2025 | 6.750% |  |  | No | 10.040% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $1604.04 | $133.67 | $0.00 | $0.00 | $1587.11 | $3265.78 | $19703.22 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 25.00% | 25.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/26/2025 | 07/26/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 45.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22009944 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10620 | 08/11/2025 | 6.630% |  |  | No | 9.665% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $5980.92 | $498.41 | $0.00 | $0.00 | $3620.77 | $8278.28 | $20154.97 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 29.38% | 29.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/07/2025 | 07/07/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 21.3 | No | 73.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27630532 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6507.5 | 08/18/2025 | 6.610% |  |  | No | 11.710% |  | 11.375% |  | XXXX | No |  | XXXX | XXXX | $678.00 | $56.50 | $3900.00 | $325.00 | $13759.52 | $20074.74 | $75056.84 | N/A | XXXX | XXXX | $325.00 |  | Monthly | 0.00% | 23.16% | 23.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 65.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024 - 2024 | Borrower - 2024 - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 |  |  |  | 677 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 16.9 | No | 73.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21419048 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 2931 | 07/14/2025 | 6.250% |  |  | No | 10.015% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1250.04 | $104.17 | $0.00 | $0.00 | $2782.23 | $4169.19 | $6846.28 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 42.39% | 42.39% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 12 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 | 07/14/2025 |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 4.5 | No | 72.16 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20060064 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6376.98 | 08/11/2025 | 6.630% |  |  | No | 10.055% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1953.48 | $162.79 | $0.00 | $0.00 | $3283.57 | $6108.86 | $25061.81 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 49.52% | 49.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 05/16/2025 | 05/16/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.3 | No | 15.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28082574 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8282.5 | 08/18/2025 | 6.610% |  |  | No | 11.412% |  | 10.875% |  | XXXX | No |  | XXXX | XXXX | $3609.00 | $300.75 | $3900.00 | $325.00 | $2439.33 | $6466.32 | $19980.16 | N/A | XXXX | XXXX | $325.00 |  | Monthly | 0.00% | 34.10% | 34.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 31 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41.8 | No | 79.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27724758 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3100 | 06/30/2025 | 6.770% |  |  | No | 11.352% |  | 10.625% |  | XXXX | No |  | XXXX | XXXX | $1626.00 | $135.50 | $0.00 | $0.00 | $5729.12 | $7700.02 | $24534.29 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 42.08% | 42.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2023, 2024, 2025 | Borrower - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/27/2025 | 06/27/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 78.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24302342 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $1522.56 | $126.88 | $2160.00 | $180.00 | $1018.98 | $2390.73 | $5685.78 | N/A | XXXX | XXXX | $180.00 | 10/01/2025 | Monthly | 0.00% | 45.83% | 45.83% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 42 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/09/2025 | 06/09/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.9 | XXXX | 32.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21295547 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6080 | 08/18/2025 | 6.610% |  |  | No | 10.542% |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $2056.08 | $171.34 | $0.00 | $0.00 | $2656.48 | $6011.06 | $7874.07 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 49.47% | 49.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/23/2025 | 07/23/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.9 | XXXX | 2.8 | No | 86.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24801232 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13370 | 08/18/2025 | 6.610% |  |  | No | 9.790% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $3545.52 | $295.46 | $0.00 | $0.00 | $2130.87 | $7765.53 | $37986.66 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 29.23% | 29.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 38.8 | No | 73.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20537991 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 05/12/2025 | 2 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9017.84 | 08/25/2025 | 6.220% |  |  | No | 9.778% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $3961.44 | $330.12 | $0.00 | $0.00 | $5671.08 | $11211.89 | $22091.89 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 34.55% | 34.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 44 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/26/2025 | 06/26/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX |  |  | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.2 | XXXX | 36.3 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29594325 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9745 | 08/11/2025 | 6.630% |  |  | No | 8.180% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $7748.04 | $645.67 | $0.00 | $0.00 | $2447.00 | $7297.46 | $40876.73 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 17.64% | 17.64% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, null Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - null Executed 4506T Verified | Borrower - null Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - null Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/11/2025 | 08/11/2025 | 08/11/2025 |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.6 | XXXX | 7.6 | No | 29.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 24160568 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14049 | 08/04/2025 | 6.750% |  |  | No | 9.660% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $10829.04 | $902.42 | $0.00 | $0.00 | $2384.93 | $7663.98 | $16201.66 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 37.35% | 37.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.79% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.2 | XXXX | 0.2 | No | 63.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24698184 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9307.5 | 08/11/2025 | 6.630% |  |  | No | 9.189% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $6105.00 | $508.75 | $456.00 | $38.00 | $1771.59 | $5848.51 | $29403.73 | N/A | XXXX | XXXX | $38.00 |  | Monthly | 0.00% | 22.87% | 22.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.47% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41.7 | No | 70.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24782772 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2500 | 07/28/2025 | 6.750% |  |  | No | 8.823% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $3921.96 | $326.83 | $0.00 | $0.00 | $778.03 | $1764.97 | $3128.03 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 37.44% | 37.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | Yes | 12 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 9 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/24/2025 | 07/24/2025 |  |  |  | 819 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 42.5 | No | 71.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25916069 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $1878.00 | $156.50 | $0.00 | $0.00 | $1735.55 | $3734.77 |  | N/A |  | XXXX | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.017 | 1.03 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 07/03/2025 | 07/03/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.9 | XXXX | 4.9 | No | 25.53 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26090465 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $3786.36 | $315.53 | $0.00 | $0.00 | $1505.13 | $4511.84 | $6131.50 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 43.26% | 43.26% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 97.58% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | Yes | 132 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/09/2025 | 09/09/2025 | 09/09/2025 |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 57.8 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20578548 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3561 | 08/18/2025 | 6.610% |  |  | No | 10.272% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $1671.84 | $139.32 | $0.00 | $0.00 | $1139.33 | $2968.35 | $27279.26 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 24.59% | 24.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/10/2025 | 06/10/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 31.9 | No | 74.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23735553 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8569.38 | 08/11/2025 | 6.630% |  |  | No | 8.652% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1106.04 | $92.17 | $1875.00 | $156.25 | $4860.88 | $8880.53 | $20638.90 | N/A | XXXX | XXXX | $156.25 | 10/01/2025 | Annually | 0.00% | 38.90% | 38.90% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 293 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 | 08/08/2025 |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 24916623 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4792 | 08/11/2025 | 6.630% |  |  | No | 10.212% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $3133.44 | $261.12 | $0.00 | $0.00 | $561.83 | $2961.69 | $9881.07 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 32.98% | 32.98% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 52.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 128 | Yes | 128 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 \|\| Co Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/25/2025 | 07/25/2025 | 07/25/2025 |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 43.5 | No | 74.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 20222779 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3495 | 09/08/2025 | 6.540% |  |  | No | 9.438% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $2322.96 | $193.58 | $1500.00 | $125.00 | $1629.35 | $2852.05 | $19058.33 | N/A | XXXX | XXXX | $125.00 |  | Monthly | 0.00% | 26.78% | 26.78% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 | 08/21/2025 |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 10.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20642986 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10309 | 09/08/2025 | 6.540% |  |  | No | 8.491% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $3395.16 | $282.93 | $0.00 | $0.00 | $3155.42 | $9028.96 | $22977.60 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 43.23% | 43.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 204 | Yes | 204 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025 - 2025 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025 - 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/18/2025 | 08/18/2025 | 08/18/2025 |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 52.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29859603 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9022.39 | 07/28/2025 | 6.750% |  |  | No | 9.085% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $945.00 | $78.75 | $0.00 | $0.00 | $1640.11 | $3958.48 | $7581.67 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 47.67% | 47.67% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 81 | 32 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 07/22/2025 | 07/22/2025 | 07/22/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29048724 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4120.7 | 07/28/2025 | 6.750% |  |  | No | 10.039% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $2047.20 | $170.60 | $0.00 | $0.00 | $2606.40 | $4407.89 | $24037.31 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 34.25% | 34.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 06/02/2025 | 06/02/2025 |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 24.9 | No | 15.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22716088 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10194 | 09/01/2025 | 6.570% |  |  | No | 8.292% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $7058.04 | $588.17 | $0.00 | $0.00 | $20720.25 | $29692.15 | $226484.44 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 11.60% | 11.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 22.1 | No | 68.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26215705 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 13865 | 07/21/2025 | 6.790% |  |  | No | 10.492% |  | 10.125% |  | XXXX | No |  | XXXX | XXXX | $3450.36 | $287.53 | $0.00 | $0.00 | $11863.33 | $17473.39 | $31929.84 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 46.08% | 46.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 05/28/2025 | 05/28/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26495237 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $2007.96 | $167.33 | $0.00 | $0.00 | $4504.41 | $7399.92 | $125456.89 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 9.74% | 9.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 40.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 4.9 | No | 12.74 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23077134 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6945 | 09/08/2025 | 6.540% |  |  | No | 9.805% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $9994.32 | $832.86 | $0.00 | $0.00 | $18809.53 | $26860.76 | $75123.11 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 28.30% | 28.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 65.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/24/2025 | 07/24/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.3 | XXXX | 1.3 | No | 73.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28832830 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4626.2 | 08/04/2025 | 6.750% |  |  | No | 10.154% |  | 10.000% |  | XXXX | No |  | XXXX | XXXX | $1923.72 | $160.31 | $0.00 | $0.00 | $5796.42 | $8905.25 | $20165.75 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 35.32% | 35.32% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 60.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | Closed End - Fixed |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20819539 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4345 | 08/04/2025 | 6.750% |  |  | No | 10.272% |  | 10.125% |  | XXXX | No |  | XXXX | XXXX | $2663.64 | $221.97 | $0.00 | $0.00 | $1496.70 | $5404.21 | $24603.38 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 35.19% | 35.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Borrower Prepared | 7 | Borrower | Borrower Prepared | Borrower | 7 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/31/2025 | 07/31/2025 | 07/31/2025 |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 86.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 26924472 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3063.13 | 09/08/2025 | 6.540% |  |  | No | 12.264% |  | 11.500% |  | XXXX | No |  | XXXX | XXXX | $916.20 | $76.35 | $0.00 | $0.00 | $3389.99 | $5038.44 | $6150.31 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 48.86% | 48.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 160 | 31 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/05/2025 | 06/05/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 10.1 | No | 73.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24400002 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1590 | 08/25/2025 | 5.910% |  |  | No | 9.530% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $1821.00 | $151.75 | $0.00 | $0.00 | $2379.13 | $3135.85 | $5893.63 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 42.33% | 42.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 1 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/14/2025 | 08/14/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 11.3 | No | 70.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28965405 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 10 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6020 | 07/28/2025 | 6.750% |  |  | No | 11.290% |  | 10.625% |  | XXXX | No |  | XXXX | XXXX | $1483.44 | $123.62 | $0.00 | $0.00 | $2219.79 | $4799.94 | $22390.06 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 19.78% | 19.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/14/2025 | 07/14/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 29 | No | 57.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21780037 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 14732.5 | 08/04/2025 | 6.750% |  |  | No | 9.770% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $3896.76 | $324.73 | $0.00 | $0.00 | $5816.10 | $11646.93 | $45400.85 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 27.64% | 27.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/20/2025 | 08/20/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.6 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29530505 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.990% |  | XXXX | No |  | XXXX | XXXX | $1777.08 | $148.09 | $0.00 | $0.00 | $779.68 | $2275.34 | $11813.84 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 36.59% | 36.59% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR 1099 | 1 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 100 | 100 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Subject Property Net Rental Income(Loss) if NOO, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS W2 1099 Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 | 08/28/2025 |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX |  |  | I-551 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 53.1 | No | 77.83 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28894756 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 15869 | 08/04/2025 | 6.750% |  |  | No | 10.843% |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $4944.00 | $412.00 | $0.00 | $0.00 | $3802.20 | $8213.85 | $12199.64 | N/A |  | XXXX | $0.00 |  |  | 0.00% | 49.38% | 49.38% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 5 | 4 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/05/2025 | 08/05/2025 | 08/05/2025 |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 17.1 | XXXX | 17.1 | No | 88.51 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29280649 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7054.5 | 08/18/2025 | 6.610% |  |  | No | 10.718% |  | 10.375% |  | XXXX | No |  | XXXX | XXXX | $7158.00 | $596.50 | $2052.00 | $171.00 | $4247.64 | $8393.92 | $22614.96 | N/A | XXXX | XXXX | $171.00 |  | Monthly | 0.00% | 46.77% | 46.77% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 32 | FNMA 1005 | Yes | 132 | 32 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/11/2025 | 08/11/2025 | 08/11/2025 |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 2.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 22700028 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3895 | 09/15/2025 | 6.320% |  |  | No | 10.253% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $3090.00 | $257.50 | $0.00 | $0.00 | $802.09 | $2497.71 | $7740.30 | N/A |  |  | $0.00 |  |  | 0.00% | 36.85% | 36.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 244 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 84.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20454615 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $2211.96 | $184.33 | $0.00 | $0.00 | $2322.11 | $6083.12 | $41989.97 | N/A |  |  | $0.00 |  |  | 0.00% | 31.58% | 31.58% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 19 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25425904 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8499 | 09/08/2025 | 6.540% |  |  | No | 9.506% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $11294.88 | $941.24 | $0.00 | $0.00 | $3484.20 | $9983.32 | $286626.34 | N/A |  |  | $0.00 |  |  | 0.00% | 7.12% | 7.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 40.8 | No | 55.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26932120 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7505 | 09/08/2025 | 6.540% |  |  | No | 10.369% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $5254.92 | $437.91 | $4596.00 | $383.00 | $3879.09 | $7699.09 | $22862.62 | N/A | XXXX | XXXX | $383.00 |  | Monthly | 0.00% | 43.93% | 43.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24520773 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5835 | 09/08/2025 | 6.540% |  |  | No | 11.204% |  | 10.625% |  | XXXX | No |  | XXXX | XXXX | $7836.00 | $653.00 | $0.00 | $0.00 | $5360.59 | $9341.65 | $18666.60 | N/A |  |  | $0.00 |  |  | 0.00% | 42.92% | 42.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/23/2025 | 06/23/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 15.9 | No | 89.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24048496 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3990 | 09/08/2025 | 6.540% |  |  | No | 9.192% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $818.04 | $68.17 | $4356.00 | $363.00 | $1216.00 | $2761.08 | $3799.92 | Yes | XXXX | XXXX | $363.00 |  | Monthly | 0.00% | 44.16% | 44.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/25/2025 | 08/25/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 34.1 | No | 44.31 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23771959 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2150.7 | 09/01/2025 | 6.570% |  |  | No | 12.843% |  | 12.500% |  | XXXX | No |  | XXXX | XXXX | $1333.20 | $111.10 | $1464.00 | $122.00 | $2338.53 | $4684.24 | $5932.76 | N/A | XXXX | XXXX | $122.00 | 10/01/2025 | Monthly | 0.00% | 44.12% | 44.12% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 231 | 32 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 17.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25444366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6340 | 09/15/2025 | 6.320% |  |  | No | 9.221% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2496.48 | $208.04 | $2388.00 | $199.00 | $3454.59 | $6761.60 | $9028.76 | N/A | XXXX | XXXX | $199.00 | 10/01/2025 | Monthly | 0.00% | 49.81% | 49.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | Closed End - Fixed |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28010359 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $789.96 | $65.83 | $0.00 | $0.00 | $428.97 | $1452.79 | $8887.85 | N/A |  |  | $0.00 |  |  | 0.00% | 37.88% | 37.88% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | Yes | 22 | 22 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 52.3 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| XXXX | 25797921 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5675 | 09/08/2025 | 6.100% |  |  | No | 8.740% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1353.00 | $112.75 | $0.00 | $0.00 | $441.74 | $2213.92 | $4522.08 | N/A |  |  | $0.00 |  |  | 0.00% | 33.74% | 33.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/29/2025 | 08/29/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 15.2 | No | 76.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23754481 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4617.28 | 09/22/2025 | 6.220% |  |  | No | 12.782% |  | 12.000% |  | XXXX | No |  | XXXX | XXXX | $3765.00 | $313.75 | $3144.00 | $262.00 | $3915.99 | $6336.57 | $12757.76 | N/A | XXXX | XXXX | $262.00 | 11/01/2025 | Monthly | 0.00% | 49.91% | 49.91% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 68 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 | 08/21/2025 |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.9 | XXXX | 3.9 | No | 90 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 21548089 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $3431.04 | $285.92 | $0.00 | $0.00 | $4279.49 | $7741.21 | $57992.49 | N/A |  |  | $0.00 |  |  | 0.00% | 31.51% | 31.51% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/02/2025 | 07/02/2025 | 07/02/2025 |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 20.2 | XXXX | 64.3 | No | 76.8 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 27132310 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4123 | 09/08/2025 | 6.540% |  |  | No | 9.747% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $4260.00 | $355.00 | $0.00 | $0.00 | $1242.76 | $3451.70 | $4881.65 | N/A |  |  | $0.00 |  |  | 0.00% | 41.42% | 41.42% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26879244 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8499 | 09/01/2025 | 6.570% |  |  | No | 9.961% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $4860.96 | $405.08 | $1128.00 | $94.00 | $2235.27 | $7850.02 | $51337.14 | N/A | XXXX | XXXX | $94.00 |  | Monthly | 0.00% | 44.14% | 44.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 30.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 07/16/2025 | 07/16/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 38.5 | XXXX | 85.9 | No | 38.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 22605237 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 2799 | 09/08/2025 | 6.540% |  |  | No | 9.431% |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2055.96 | $171.33 | $0.00 | $0.00 | $2191.24 | $3943.53 | $12446.11 | N/A |  |  | $0.00 |  |  | 0.00% | 31.19% | 31.19% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 31 | FNMA 1005 | Yes | 73 | 32 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/28/2025 | 07/28/2025 | 07/28/2025 |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 77.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 24209113 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4509.83 | 09/08/2025 | 6.540% |  |  | No | 9.379% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $3425.64 | $285.47 | $0.00 | $0.00 | $1655.05 | $3425.18 | $6227.57 | N/A |  |  | $0.00 |  |  | 0.00% | 41.14% | 41.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 53 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22174752 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1655.16 | $137.93 | $0.00 | $0.00 | $1476.18 | $2571.72 | $12300.59 | N/A |  |  | $0.00 |  |  | 0.00% | 26.52% | 26.52% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/05/2025 | 09/05/2025 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 69.1 | XXXX | 92.1 | No | 69.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20836701 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5661.13 | 09/01/2025 | 6.570% |  |  | No | 9.749% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $6934.80 | $577.90 | $3300.00 | $275.00 | $4309.88 | $8080.26 | $30907.72 | N/A | XXXX | XXXX | $275.00 |  | Annually | 0.00% | 37.17% | 37.17% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/22/2025 | 08/22/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24611916 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3999 | 09/08/2025 | 6.540% |  |  | No | 8.521% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1245.96 | $103.83 | $0.00 | $0.00 | $1053.20 | $2890.68 | $7415.94 | N/A |  |  | $0.00 |  |  | 0.00% | 33.65% | 33.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 60.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24673268 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3074 | 09/15/2025 | 6.320% |  |  | No | 9.335% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2901.00 | $241.75 | $0.00 | $0.00 | $1344.70 | $2688.87 | $5978.78 | N/A |  |  | $0.00 |  |  | 0.00% | 45.94% | 45.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/01/2025 | 08/01/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 34.6 | No | 40.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28658030 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3938.8 | 08/04/2025 | 6.750% |  |  | No | 12.242% |  | 11.750% |  | XXXX | No |  | XXXX | XXXX | $726.00 | $60.50 | $0.00 | $0.00 | $1172.46 | $2837.97 | $5845.66 | N/A |  |  | $0.00 |  |  | 0.00% | 39.50% | 39.50% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | Yes | N/A | 0 | 15 | No | N/A | 0 | 0 | 60.27% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 | 08/06/2025 |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.6 | XXXX | 10.5 | No | 79.94 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 21195814 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10558 | 09/22/2025 | 6.220% |  |  | No | 8.043% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $8890.92 | $740.91 | $990.00 | $82.50 | $4222.00 | $9306.56 | $30433.44 | N/A | XXXX | XXXX | $82.50 | 11/01/2025 | Annually | 0.00% | 33.18% | 33.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Wage, Wage, Maintenance - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/11/2025 | 08/11/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 1.7 | No | 69.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22242470 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3351.25 | 09/08/2025 | 6.540% |  |  | No | 10.726% |  | 10.500% |  | XXXX | No |  | XXXX | XXXX | $698.04 | $58.17 | $0.00 | $0.00 | $1116.45 | $1923.60 | $12655.13 | N/A |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | Missing | 1 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 | 08/08/2025 |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 72.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 25135771 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14799 | 07/21/2025 | 6.790% | Manual Underwriting |  | No | 8.818% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $1409.04 | $117.42 | $0.00 | $0.00 | $4199.43 | $9984.84 | $123938.48 | N/A |  |  | $0.00 |  |  | 0.00% | 10.84% | 10.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/05/2025 | 09/05/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 13.6 | No | 38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20867729 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15995 | 09/15/2025 | 6.320% |  |  | No | 8.536% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $4908.96 | $409.08 | $3060.00 | $255.00 | $2599.53 | $9835.47 | $288765.53 | N/A | XXXX | XXXX | $255.00 |  | Monthly | 0.00% | 4.22% | 4.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 58.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29229402 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2195 | 09/08/2025 | 6.540% |  |  | No | 10.016% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $4287.00 | $357.25 | $1080.00 | $90.00 | $2122.06 | $3569.14 | $10287.86 | N/A | XXXX | XXXX | $90.00 |  | Monthly | 0.00% | 39.62% | 39.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.5 | XXXX | 8.5 | No | 71.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29263235 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3277.5 | 09/15/2025 | 6.320% |  |  | No | 8.536% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1504.56 | $125.38 | $0.00 | $0.00 | $1606.43 | $3284.08 | $7101.92 | N/A |  |  | $0.00 |  |  | 0.00% | 38.12% | 38.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/03/2025 | 09/03/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.1 | XXXX | 1.1 | No | 54.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24085294 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2575 | 09/01/2025 | 6.570% |  |  | No | 8.801% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2187.96 | $182.33 | $0.00 | $0.00 | $1028.28 | $2167.10 | $22720.13 | N/A |  |  | $0.00 |  |  | 0.00% | 10.08% | 10.08% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 | 08/28/2025 |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 68.46 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 26116263 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2964.25 | 09/01/2025 | 6.570% |  |  | No | 9.132% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $2988.00 | $249.00 | $1203.00 | $100.25 | $1357.02 | $2526.86 | $6155.33 | N/A | XXXX | XXXX | $100.25 | 01/01/2026 | Annually | 0.00% | 36.97% | 36.97% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SSI and Disability, Retirement, Retirement - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.5 | No | 65.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26087803 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2476.08 | 10/06/2025 | 6.310% |  |  | No | 10.873% |  | 10.500% |  | XXXX | No |  | XXXX | XXXX | $3246.96 | $270.58 | $984.00 | $82.00 | $1726.00 | $3361.14 | $3551.69 | N/A | XXXX | XXXX | $82.00 | 01/01/2026 | Monthly | 0.00% | 48.62% | 48.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 75.73% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Retirement - Award Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/11/2025 | 08/11/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.1 | No | 78.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 22016459 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4607.33 | 09/22/2025 | 6.220% |  |  | No | 10.151% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $2483.04 | $206.92 | $0.00 | $0.00 | $974.20 | $3254.61 | $16763.19 | N/A |  |  | $0.00 |  |  | 0.00% | 17.38% | 17.38% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 08/20/2025 | 08/20/2025 | 08/20/2025 |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 68.2 | No | 83.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28986126 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8470 | 09/15/2025 | 6.320% |  |  | No | 9.398% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $1196.76 | $99.73 | $0.00 | $0.00 | $2745.42 | $5346.96 | $10781.62 | N/A |  |  | $0.00 |  |  | 0.00% | 34.58% | 34.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 06/25/2025 | 06/25/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 38.3 | No | 69.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23992298 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9245 | 09/22/2025 | 6.220% |  |  | No | 9.167% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2349.96 | $195.83 | $0.00 | $0.00 | $1996.78 | $5193.59 | $29616.59 | N/A |  |  | $0.00 |  |  | 0.00% | 25.88% | 25.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 40.8 | No | 35.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28776363 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8690 | 09/22/2025 | 6.220% |  |  | No | 9.090% |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $5746.56 | $478.88 | $0.00 | $0.00 | $3161.87 | $7449.04 | $12546.84 | N/A |  |  | $0.00 |  |  | 0.00% | 43.05% | 43.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.3 | XXXX | 50.6 | No | 77.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28768041 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2390 | 09/08/2025 | 6.540% |  |  | No | 9.984% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $2786.16 | $232.18 | $0.00 | $0.00 | $3303.79 | $5926.31 | $8476.92 | N/A |  |  | $0.00 |  |  | 0.00% | 43.24% | 43.24% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 49.78% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Family Owned Business - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/28/2025 | 08/28/2025 | 08/28/2025 |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.9 | XXXX | 0.9 | No | 78.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 21912868 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5309.6 | 09/15/2025 | 6.320% |  |  | No | 10.045% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $1989.00 | $165.75 | $0.00 | $0.00 | $2759.34 | $4844.91 | $16301.67 | N/A |  |  | $0.00 |  |  | 0.00% | 41.87% | 41.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28490246 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $1656.12 | $138.01 | $3672.00 | $306.00 | $1642.50 | $6858.98 | $129719.42 | N/A | XXXX | XXXX | $306.00 |  | Monthly | 0.00% | 43.99% | 43.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 71.6 | No | 51.52 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24440677 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2145.00 | $178.75 | $3120.00 | $260.00 | $1960.89 | $7143.90 | $129499.00 | N/A | XXXX | XXXX | $260.00 | 11/01/2025 | Monthly | 0.00% | 44.09% | 44.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/13/2025 | 08/13/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 35.05 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28928232 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3107.5 | 09/22/2025 | 6.220% |  |  | No | 9.399% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $1228.32 | $102.36 | $0.00 | $0.00 | $1347.39 | $2194.55 | $3408.67 | N/A |  |  | $0.00 |  |  | 0.00% | 43.99% | 43.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 16 | 16 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, Retirement - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2025 | 08/27/2025 |  |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26288497 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1995 | 09/29/2025 | 6.310% |  |  | No | 8.290% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $3689.52 | $307.46 | $0.00 | $0.00 | $2897.74 | $9247.90 | $10503.68 | N/A |  |  | $0.00 |  |  | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/26/2025 | 08/26/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 71 | No | 64.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 24522416 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3380 | 09/22/2025 | 6.220% |  |  | No | 8.406% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1581.00 | $131.75 | $840.00 | $70.00 | $2122.06 | $3382.36 | $18716.00 | N/A | XXXX | XXXX | $70.00 |  | Monthly | 0.00% | 31.32% | 31.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2025 | 09/24/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.2 | No | 69.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 24802291 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 3038.75 | 09/29/2025 | 6.310% |  |  | No | 10.121% |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $3302.04 | $275.17 | $294.96 | $24.58 | $2377.46 | $3448.25 | $10176.05 | N/A | XXXX | XXXX | $24.58 | 01/01/2026 | Annually | 0.00% | 25.74% | 25.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/04/2025 | 09/04/2025 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 10.5 | No | 71.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26811750 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4704.25 | 09/15/2025 | 6.320% |  |  | No | 12.231% |  | 11.750% |  | XXXX | No |  | XXXX | XXXX | $4719.96 | $393.33 | $840.00 | $70.00 | $2057.87 | $4937.02 | $17653.30 | N/A | XXXX | XXXX | $70.00 |  | Monthly | 0.00% | 30.71% | 30.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2025 | 08/27/2025 |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29196067 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4249 | 09/15/2025 | 5.860% |  |  | No | 8.488% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $1637.04 | $136.42 | $0.00 | $0.00 | $1288.09 | $2626.84 | $2634.41 | N/A |  |  | $0.00 |  |  | 0.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 297 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 07/11/2025 | 07/11/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 12.2 | No | 45.14 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20149883 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13624 | 09/22/2025 | 6.220% |  |  | No | 9.496% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $3890.04 | $324.17 | $0.00 | $0.00 | $795.77 | $3801.38 | $18469.55 | N/A |  |  | $0.00 |  |  | 0.00% | 48.91% | 48.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 53.9 | No | 73.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27300834 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13870 | 09/22/2025 | 6.220% |  |  | No | 9.283% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $7571.04 | $630.92 | $0.00 | $0.00 | $4605.25 | $9617.86 | $16506.71 | N/A |  |  | $0.00 |  |  | 0.00% | 38.23% | 38.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/08/2025 | 09/08/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 39.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27572405 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2938 | 09/29/2025 | 6.310% |  |  | No | 11.604% |  | 10.875% |  | XXXX | No |  | XXXX | XXXX | $804.00 | $67.00 | $0.00 | $0.00 | $2145.14 | $3789.57 | $4415.17 | N/A |  |  | $0.00 |  |  | 0.00% | 49.30% | 49.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 360 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/27/2025 | 08/27/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 2.7 | No | 14.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20084940 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6959.44 | 09/29/2025 | 6.310% |  |  | No | 12.485% |  | 11.875% |  | XXXX | No |  | XXXX | XXXX | $2930.04 | $244.17 | $0.00 | $0.00 | $5492.35 | $8464.78 | $11695.47 | N/A |  |  | $0.00 |  |  | 0.00% | 46.37% | 46.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage, Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/01/2025 | 09/01/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 12.1 | No | 63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29516312 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 10077.25 | 09/29/2025 | 6.310% |  |  | No | 9.760% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $2643.00 | $220.25 | $0.00 | $0.00 | $3246.00 | $5979.82 | $13503.18 | N/A |  |  | $0.00 |  |  | 0.00% | 41.83% | 41.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2025 | 09/24/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 33.2 | No | 79.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21557217 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 4 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8995 | 09/29/2025 | 6.310% |  |  | No | 9.157% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $4233.00 | $352.75 | $0.00 | $0.00 | $3760.95 | $7861.25 | $27572.75 | N/A |  |  | $0.00 |  |  | 0.00% | 31.42% | 31.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/26/2025 | 08/26/2025 |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 57.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21877090 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9895 | 10/06/2025 | 6.310% |  |  | No | 10.267% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $6675.00 | $556.25 | $0.00 | $0.00 | $4678.67 | $9388.46 | $15766.08 | N/A |  |  | $0.00 |  |  | 0.00% | 41.79% | 41.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26886332 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8345 | 10/06/2025 | 6.310% |  |  | No | 9.305% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $3611.04 | $300.92 | $0.00 | $0.00 | $2524.00 | $4979.67 | $13739.33 | N/A |  |  | $0.00 |  |  | 0.00% | 31.46% | 31.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2025 | 09/24/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41.3 | No | 72.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28360090 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9201.49 | 08/25/2025 | 6.630% |  |  | No | 9.146% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2012.52 | $167.71 | $0.00 | $0.00 | $2293.75 | $4826.94 | $12400.72 | N/A |  |  | $0.00 |  |  | 0.00% | 33.85% | 33.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.2 | XXXX | 5.2 | No | 59.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24978185 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $4656.96 | $388.08 | $0.00 | $0.00 | $7983.63 | $16038.59 | $58392.21 | N/A |  |  | $0.00 |  |  | 0.00% | 48.73% | 48.73% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/15/2025 | 09/15/2025 | 09/15/2025 |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 38.6 | No | 24.42 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 25920256 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4935 | 09/15/2025 | 6.320% |  |  | No | 11.792% |  | 11.375% |  | XXXX | No |  | XXXX | XXXX | $1142.04 | $95.17 | $0.00 | $0.00 | $1343.53 | $3693.26 | $7114.43 | N/A |  |  | $0.00 |  |  | 0.00% | 40.80% | 40.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 72 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/17/2025 | 09/17/2025 | 09/17/2025 |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 25 | No | 89.06 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 23955362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5495 | 10/06/2025 | 6.310% |  |  | No | 8.870% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $8700.24 | $725.02 | $0.00 | $0.00 | $6100.00 | $11053.34 | $18548.72 | N/A |  |  | $0.00 |  |  | 0.00% | 46.40% | 46.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 85.61% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.7 | XXXX | 20.8 | No | 28.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26812588 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5989.82 | 08/18/2025 | 6.140% |  |  | No | 10.093% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $7413.96 | $617.83 | $0.00 | $0.00 | $1426.39 | $4035.89 | $6896.11 | N/A |  |  | $0.00 |  |  | 0.00% | 38.43% | 38.43% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 07/25/2025 | 07/25/2025 | 08/07/2025 |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Employment Authorization Card |  | XXXX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Employment Authorization Card |  | N/A | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29214551 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5482.5 | 10/06/2025 | 6.310% |  |  | No | 11.514% |  | 10.875% |  | XXXX | No |  | XXXX | XXXX | $2496.00 | $208.00 | $0.00 | $0.00 | $2938.99 | $5699.79 | $6742.82 | N/A |  |  | $0.00 |  |  | 0.00% | 49.69% | 49.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 93 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.3 | XXXX | 28.5 | No | 19.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29517620 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2000.25 | 09/29/2025 | 6.310% |  |  | No | 10.369% |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $1980.00 | $165.00 | $0.00 | $0.00 | $3761.90 | $7463.88 | $22691.69 | N/A |  |  | $0.00 |  |  | 0.00% | 34.92% | 34.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 20031844 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 18373.33 | 08/11/2025 | 6.630% |  |  | No | 9.312% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $2792.40 | $232.70 | $0.00 | $0.00 | $3315.79 | $8895.06 | $21495.24 | N/A |  |  | $0.00 |  |  | 0.00% | 30.97% | 30.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 73.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22289745 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3474 | 10/06/2025 | 6.310% |  |  | No | 11.323% |  | 10.875% |  | XXXX | No |  | XXXX | XXXX | $1737.96 | $144.83 | $2580.00 | $215.00 | $1714.66 | $4507.72 | $13490.56 | No | XXXX | XXXX | $215.00 |  | Monthly | 0.00% | 32.10% | 32.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 33.2 | No | 20 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22946172 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7427.5 | 09/15/2025 | 6.320% |  |  | No | 8.128% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $5732.04 | $477.67 | $0.00 | $0.00 | $1939.38 | $4889.46 | $156313.22 | N/A |  |  | $0.00 |  |  | 0.00% | 3.03% | 3.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 62.3 | No | 47.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22805045 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4393.1 | 09/29/2025 | 6.310% |  |  | No | 9.533% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $6948.96 | $579.08 | $0.00 | $0.00 | $1849.63 | $4781.00 | $7138.85 | N/A |  |  | $0.00 |  |  | 0.00% | 49.21% | 49.21% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 1 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 40 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, Balance Sheet Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/05/2025 | 09/05/2025 | 09/05/2025 |  |  | 690 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 15.4 | XXXX | 15.4 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 22651160 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4907.5 | 09/15/2025 | 6.320% |  |  | No | 12.185% |  | 11.875% |  | XXXX | No |  | XXXX | XXXX | $4599.60 | $383.30 | $279.96 | $23.33 | $2041.12 | $5209.29 | $52332.71 | N/A | XXXX | XXXX | $23.33 |  | Annually | 0.00% | 11.54% | 11.54% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/17/2025 | 09/17/2025 | 09/17/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 42.7 | No | 31.51 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 25832287 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1856 | 09/15/2025 | 5.860% |  |  | No | 7.981% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $3651.00 | $304.25 | $0.00 | $0.00 | $4551.87 | $7901.58 | $17655.67 | N/A |  |  | $0.00 |  |  | 0.00% | 41.00% | 41.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 08/20/2025 | 08/20/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19.6 | No | 11.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27589153 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | XXXX | No |  | XXXX | XXXX | $1771.20 | $147.60 | $240.00 | $20.00 | $748.59 | $1983.24 | $30932.59 | N/A | XXXX | XXXX | $20.00 |  | Monthly | 0.00% | 21.31% | 21.31% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/19/2025 | 09/19/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 48.3 | No | 74.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22915108 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $1483.68 | $123.64 | $4140.00 | $345.00 | $775.75 | $2374.33 | $30574.66 | N/A | XXXX | XXXX | $345.00 |  | Monthly | 0.00% | 22.22% | 22.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, null IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, null IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/19/2025 | 09/19/2025 |  |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 43.4 | No | 74.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28613755 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3745 | 09/29/2025 | 6.310% |  |  | No | 8.859% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $1127.04 | $93.92 | $0.00 | $0.00 | $1001.57 | $2389.27 | $6429.17 | N/A |  |  | $0.00 |  |  | 0.00% | 33.70% | 33.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 40.1 | No | 27.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27244168 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4523.92 | 09/08/2025 | 6.540% |  |  | No | 10.963% |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $1283.04 | $106.92 | $0.00 | $0.00 | $1949.46 | $4235.15 | $11966.73 | N/A |  |  | $0.00 |  |  | 0.00% | 32.69% | 32.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/21/2025 | 08/21/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24176082 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $2567.64 | $213.97 | $0.00 | $0.00 | $747.07 | $2082.77 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.152 | 1.152 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2025 | 10/16/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 39.5 | No | 49.66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24197032 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 |  | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | XXXX | No |  | XXXX | XXXX | $444.48 | $37.04 | $12272.64 | $1022.72 | $799.44 | $3240.10 | $33167.51 | Yes | XXXX | XXXX | $1022.72 |  | Monthly | 0.00% | 35.07% | 35.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 13 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 07/30/2025 | 07/30/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 32.7 | No | 69.76 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23410376 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 870 | 09/22/2025 | 6.220% |  |  | No | 8.479% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1445.04 | $120.42 | $708.00 | $59.00 | $1599.70 | $2992.03 | $6257.82 | N/A | XXXX | XXXX | $59.00 |  | Monthly | 0.00% | 38.34% | 38.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 09/22/2025 | 09/22/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22091323 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 10/06/2025 | 6.310% | Manual Underwriting |  | No | 7.933% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $1322.52 | $110.21 | $0.00 | $0.00 | $2202.05 | $4844.74 | $8260.47 | N/A |  |  | $0.00 |  |  | 0.00% | 39.65% | 39.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/24/2025 | 09/24/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9.2 | No | 59.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24834634 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3995 | 10/13/2025 | 6.290% |  |  | No | 9.258% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $2121.00 | $176.75 | $0.00 | $0.00 | $1665.55 | $3587.31 | $135969.96 | N/A |  |  | $0.00 |  |  | 0.00% | 14.72% | 14.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/18/2025 | 09/18/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41.5 | No | 71.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26369136 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3624 | 10/13/2025 | 6.290% |  |  | No | 8.358% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1446.96 | $120.58 | $0.00 | $0.00 | $889.00 | $2907.46 | $4562.96 | N/A |  |  | $0.00 |  |  | 0.00% | 44.26% | 44.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 54.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21980657 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 10/13/2025 | 6.290% |  |  | No | 7.706% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $1272.12 | $106.01 | $0.00 | $0.00 | $1551.65 | $5519.71 | $11222.76 | N/A |  |  | $0.00 |  |  | 0.00% | 36.71% | 36.71% | No | No | 1 - Not Stated Not Verified |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | Employed | Employed | Employed |  | 4.66 |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 251 | 251 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Wage, Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower 2 - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 | 10/03/2025 | 10/03/2025 |  | 763 | 751 | 794 | 763 |  |  |  | 763 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Permanent Resident | N/A | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 80.7 | No | 66.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| XXXX | 29804466 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3285 | 10/06/2025 | 6.310% |  |  | No | 8.602% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $2271.48 | $189.29 | $1716.00 | $143.00 | $1826.87 | $6885.87 | $25441.30 | N/A | XXXX | XXXX | $143.00 |  | Monthly | 0.00% | 26.23% | 26.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 108 | Yes | 108 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 | 09/11/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.7 | XXXX | 2.7 | No | 52.33 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28928459 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.750% |  | XXXX | No |  | XXXX | XXXX | $5352.00 | $446.00 | $0.00 | $0.00 | $12218.26 | $18304.62 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.065 | 1.071 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/08/2025 | 09/08/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 17.1 | No | 63.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25826023 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2490.96 | $207.58 | $0.00 | $0.00 | $2246.01 | $6316.28 | $721543.20 | N/A |  |  | $0.00 |  |  | 0.00% | 7.01% | 7.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2023","2024"] - 2023, 2024 | Borrower - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 23.3 | XXXX | 23.3 | No | 69.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27856714 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2670.96 | $222.58 | $1380.00 | $115.00 | $1838.25 | $6108.01 | $725024.34 | N/A | XXXX | XXXX | $115.00 |  | Monthly | 0.00% | 6.56% | 6.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/02/2025 | 09/02/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29856789 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1690 | 10/13/2025 | 6.290% |  |  | No | 7.903% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $7400.04 | $616.67 | $0.00 | $0.00 | $16256.00 | $28678.51 | $110826.46 | N/A |  |  | $0.00 |  |  | 0.00% | 23.23% | 23.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Borrower Prepared | 20 | Borrower |  |  |  | Yes | 12 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1065), CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, 1065), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/27/2025 | 10/27/2025 |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 56.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25994884 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13934 | 10/20/2025 | 6.240% |  |  | No | 8.632% |  | 8.375% |  | XXXX | No |  | XXXX | XXXX | $3512.04 | $292.67 | $2700.00 | $225.00 | $3146.54 | $9851.09 | $15285.98 | N/A | XXXX | XXXX | $225.00 | 11/01/2025 | Monthly | 0.00% | 46.11% | 46.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.1 | XXXX | 0.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24943334 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 9779.38 | 10/06/2025 | 6.310% |  |  | No | 9.697% |  | 9.500% |  | XXXX | No |  | XXXX | XXXX | $13459.56 | $1121.63 | $5400.00 | $450.00 | $10328.03 | $20345.77 | $33317.70 | N/A | XXXX | XXXX | $450.00 |  | Monthly | 0.00% | 38.46% | 38.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/05/2025 | 09/05/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.5 | XXXX | 5.5 | No | 79.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 29650949 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.250% |  | XXXX | No |  | XXXX | XXXX | $3786.24 | $315.52 | $0.00 | $0.00 | $5684.61 | $9107.05 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.153 | 1.1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 08/12/2025 | 08/12/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 24.1 | No | 69.33 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24075819 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.750% |  | XXXX | No |  | XXXX | XXXX | $882.00 | $73.50 | $0.00 | $0.00 | $814.77 | $1696.37 | $8063.39 | N/A |  |  | $0.00 |  |  | 0.00% | 49.10% | 49.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO, SSI and Disability, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/07/2025 | 10/07/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23483073 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4049.25 | 10/20/2025 | 6.240% |  |  | No | 11.056% |  | 10.625% |  | XXXX | No |  | XXXX | XXXX | $1510.92 | $125.91 | $1068.00 | $89.00 | $2936.98 | $5645.56 | $140420.20 | N/A | XXXX | XXXX | $89.00 |  | Monthly | 0.00% | 5.64% | 5.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9.8 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21651173 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 10/20/2025 | 6.240% |  |  | No | 8.897% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $1583.04 | $131.92 | $125.04 | $10.42 | $1063.33 | $2576.93 | $10666.80 | N/A | XXXX | XXXX | $10.42 |  | Annually | 0.00% | 40.85% | 40.85% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 210 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 64.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29094604 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15995 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 8.521% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $30636.60 | $2553.05 | $0.00 | $0.00 | $8841.93 | $19371.73 | $27904.33 | N/A |  |  | $0.00 |  |  | 0.00% | 40.98% | 40.98% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 24 | Yes | N/A | 0 | 24 | 100.00% | 99.99% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 | 10/09/2025 |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.4 | XXXX | 1.4 | No | 64.68 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20157745 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $6781.56 | $565.13 | $1002.96 | $83.58 | $2423.13 | $4723.72 | $5882.81 | N/A | XXXX | XXXX | $83.58 |  | Annually | 0.00% | 45.70% | 45.70% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/29/2025 | 08/29/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 21.1 | No | 69.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26246192 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7076.25 | 10/13/2025 | 6.290% |  |  | No | 9.361% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $2430.96 | $202.58 | $0.00 | $0.00 | $1659.57 | $4131.42 | $44189.58 | N/A |  |  | $0.00 |  |  | 0.00% | 12.08% | 12.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/12/2025 | 09/12/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 41 | No | 74.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25982368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2845 | 10/27/2025 | 6.160% |  |  | No | 8.023% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $2385.00 | $198.75 | $0.00 | $0.00 | $2206.06 | $3817.48 | $6804.70 | N/A |  |  | $0.00 |  |  | 0.00% | 36.41% | 36.41% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR 1099 | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - Wage, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/20/2025 | 10/20/2025 | 10/20/2025 |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 3.7 | No | 68.73 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 24459165 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3985 | 10/27/2025 | 6.160% |  |  | No | 8.313% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $2136.96 | $178.08 | $3120.00 | $260.00 | $2004.27 | $5767.90 | $7227.10 | N/A | XXXX | XXXX | $260.00 |  | Monthly | 0.00% | 44.79% | 44.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 62 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 09/26/2025 | 09/26/2025 |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 10.1 | XXXX | 10.1 | No | 54.17 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24263455 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1013.75 | 09/15/2025 | 6.320% |  |  | No | 8.621% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1428.96 | $119.08 | $5357.28 | $446.44 | $1428.84 | $2739.45 | $4089.46 | Yes | XXXX | XXXX | $446.44 |  | Monthly | 0.00% | 43.29% | 43.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 19.4 | No | 68.86 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27471532 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 16695 | 09/01/2025 | 6.570% |  |  | No | 8.889% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $19239.00 | $1603.25 | $2220.00 | $185.00 | $15175.00 | $25278.11 | $62396.62 | N/A | XXXX | XXXX | $185.00 |  | Monthly | 0.00% | 32.50% | 32.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/08/2025 | 08/08/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0 | XXXX | 8.9 | No | 59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24624061 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 7.15.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4695 | 09/29/2025 | 6.310% |  |  | No | 8.726% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $2654.16 | $221.18 | $0.00 | $0.00 | $9164.99 | $13216.83 | $28362.56 | N/A |  |  | $0.00 |  |  | 0.00% | 41.46% | 41.46% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 63.22% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 72 | Yes | 50 | 50 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 08/06/2025 | 08/06/2025 | 08/06/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0 | XXXX | 19.2 | No | 79.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 25001654 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3744.06 | 10/06/2025 | 6.310% |  |  | No | 11.229% |  | 10.625% |  | XXXX | No |  | XXXX | XXXX | $4462.80 | $371.90 | $2760.00 | $230.00 | $15103.03 | $18903.20 | $70742.30 | N/A | XXXX | XXXX | $230.00 |  | Monthly | 0.00% | 30.79% | 30.79% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0 | XXXX | 0 | No | 84.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 27396143 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5215 | 10/20/2025 | 6.240% |  |  | No | 9.212% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $1728.72 | $144.06 | $0.00 | $0.00 | $1765.46 | $3397.15 | $6828.52 | N/A |  |  | $0.00 |  |  | 0.00% | 38.83% | 38.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | Yes | 12 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/08/2025 | 09/08/2025 |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 15.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28887394 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.750% |  | XXXX | No |  | XXXX | XXXX | $4014.96 | $334.58 | $0.00 | $0.00 | $2499.16 | $6454.20 | $94412.13 | N/A |  |  | $0.00 |  |  | 0.00% | 35.94% | 35.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2025 | 09/11/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 77.41 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23579705 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 995 | 10/27/2025 | 6.160% |  |  | No | 9.937% |  | 9.875% |  | XXXX | No |  | XXXX | XXXX | $1953.60 | $162.80 | $7560.00 | $630.00 | $3297.54 | $6726.59 | $28673.67 | N/A | XXXX | XXXX | $630.00 |  | Monthly | 0.00% | 37.52% | 37.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 39.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.7 | XXXX | 8.7 | No | 79.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25076874 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2289.96 | $190.83 | $0.00 | $0.00 | $1593.34 | $5500.44 | $188968.57 | N/A |  |  | $0.00 |  |  | 0.00% | 6.06% | 6.06% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 190 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/04/2025 | 11/04/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 44 | XXXX | 44 | No | 79.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23442795 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5223.75 | 09/29/2025 | 5.730% |  |  | No | 8.902% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $2466.00 | $205.50 | $0.00 | $0.00 | $813.84 | $2385.61 | $4539.48 | N/A |  |  | $0.00 |  |  | 0.00% | 42.67% | 42.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 121 | 34 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/26/2025 | 09/26/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25031768 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11950 | 11/03/2025 | 6.170% |  |  | No | 9.318% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $2951.04 | $245.92 | $0.00 | $0.00 | $14539.50 | $24930.18 | $30957.88 | N/A |  |  | $0.00 |  |  | 0.00% | 49.15% | 49.15% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 184 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 77.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 23157983 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | XXXX | No |  | XXXX | XXXX | $3878.04 | $323.17 | $0.00 | $0.00 | $5834.52 | $8298.90 | $71171.86 | N/A |  |  | $0.00 |  |  | 0.00% | 30.57% | 30.57% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.5 | XXXX | 2.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 21233824 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4036.79 | 10/20/2025 | 6.240% |  |  | No | 11.852% |  | 11.125% |  | XXXX | No |  | XXXX | XXXX | $1449.96 | $120.83 | $3600.00 | $300.00 | $7322.79 | $9152.91 | $21618.04 | N/A | XXXX | XXXX | $300.00 |  | Monthly | 0.00% | 33.76% | 33.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | Yes | N/A | 8 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/04/2025 | 09/04/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 8.4 | No | 84.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20842413 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11941.4 | 10/27/2025 | 6.160% |  |  | No | 8.963% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $1650.00 | $137.50 | $0.00 | $0.00 | $4407.74 | $9958.66 | $162668.34 | N/A |  |  | $0.00 |  |  | 0.00% | 7.58% | 7.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/08/2025 | 10/08/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23655675 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 10/27/2025 | 6.160% |  |  | No | 8.685% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $1529.16 | $127.43 | $0.00 | $0.00 | $3128.51 | $9228.97 | $37116.57 | N/A |  |  | $0.00 |  |  | 0.00% | 22.42% | 22.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/03/2025 | 10/03/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 64.4 | No | 68.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 22076591 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8420 | 11/10/2025 | 6.260% |  |  | No | 9.064% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $4260.12 | $355.01 | $0.00 | $0.00 | $5036.24 | $11743.37 | $16450.43 | N/A |  |  | $0.00 |  |  | 0.00% | 44.76% | 44.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/27/2025 | 10/27/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 26804907 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4478.6 | 11/03/2025 | 6.170% |  |  | No | 8.374% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $1665.00 | $138.75 | $720.00 | $60.00 | $985.98 | $2531.74 | $2762.28 | N/A | XXXX | XXXX | $60.00 |  | Annually | 0.00% | 47.82% | 47.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 42.93% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SESoleProprietor - 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/28/2025 | 09/28/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 57.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28732473 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3305.25 | 10/13/2025 | 6.290% |  |  | No | 9.488% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $3672.24 | $306.02 | $2019.96 | $168.33 | $1800.67 | $3489.70 | $7366.82 | N/A | XXXX | XXXX | $168.33 |  | Annually | 0.00% | 46.80% | 46.80% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 3 | 2 | Yes NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/15/2025 | 09/15/2025 | 09/15/2025 |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.8 | XXXX | 22.6 | No | 56.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 28337975 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7250 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 8.116% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $3876.96 | $323.08 | $744.00 | $62.00 | $916.30 | $3117.65 | $12010.05 | N/A | XXXX | XXXX | $62.00 |  | Monthly | 0.00% | 27.44% | 27.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/08/2025 | 10/08/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 59.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28795328 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7990 | 11/03/2025 | 6.170% |  |  | No | 10.755% |  | 10.375% |  | XXXX | No |  | XXXX | XXXX | $1090.08 | $90.84 | $6480.00 | $540.00 | $2792.82 | $7032.84 | $27905.69 | Yes | XXXX | XXXX | $540.00 |  | Monthly | 0.00% | 41.42% | 41.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/23/2025 | 09/23/2025 |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 8.3 | No | 74.36 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 21821745 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2796.5 | 11/10/2025 | 6.260% |  |  | No | 9.711% |  | 9.375% |  | XXXX | No |  | XXXX | XXXX | $3106.80 | $258.90 | $6500.04 | $541.67 | $2792.03 | $4717.95 | $9376.45 | N/A | XXXX | XXXX | $541.67 |  | Annually | 0.00% | 38.03% | 37.97% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/07/2025 | 10/07/2025 | 10/07/2025 |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 13.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 20801033 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 8.953% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $2270.04 | $189.17 | $0.00 | $0.00 | $3025.43 | $7361.05 | $18637.41 | N/A |  |  | $0.00 |  |  | 0.00% | 40.39% | 40.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | HELOC | $0.00 |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 14.3 | XXXX | 14.3 | No | 62.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 22715721 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 11.125% |  | XXXX | No |  | XXXX | XXXX | $2217.12 | $184.76 | $9576.00 | $798.00 | $3765.85 | $7810.75 | $53712.72 | N/A | XXXX | XXXX | $798.00 |  | Monthly | 0.00% | 35.44% | 35.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/31/2025 | 10/31/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | XXXX | 0 | XXXX | 26.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23643020 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2270.64 | $189.22 | $0.00 | $0.00 | $2090.08 | $4825.43 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.554 | 1.55 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/22/2025 | 10/22/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 45.1 | No | 30.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21954216 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 11/17/2025 | 6.230% |  |  | No | 8.603% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $3849.12 | $320.76 | $3600.00 | $300.00 | $7009.43 | $11795.19 | $43446.13 | N/A | XXXX | XXXX | $300.00 |  | Monthly | 0.00% | 27.14% | 27.14% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 192 | Yes | 192 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 09/22/2025 | 09/22/2025 | 09/22/2025 |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 25.4 | No | 58.17 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 25417520 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1590 | 11/03/2025 | 6.170% |  |  | No | 9.224% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $5570.52 | $464.21 | $0.00 | $0.00 | $2166.16 | $4375.79 | $69264.43 | N/A |  |  | $0.00 |  |  | 0.00% | 8.31% | 8.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/09/2025 | 10/09/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 5.4 | No | 57.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20568512 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $1213.80 | $101.15 | $0.00 | $0.00 | $618.93 | $2306.39 | $13066.68 | N/A |  |  | $0.00 |  |  | 0.00% | 27.91% | 27.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 25.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/05/2025 | 11/05/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 57.6 | No | 63.8 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27815236 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7575 | 11/03/2025 | 6.170% |  |  | No | 7.687% |  | 7.625% |  | XXXX | No |  | XXXX | XXXX | $2871.00 | $239.25 | $0.00 | $0.00 | $3327.51 | $8270.22 | $26881.11 | N/A |  |  | $0.00 |  |  | 0.00% | 24.23% | 24.23% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 9 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 158 | 158 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/30/2025 | 10/30/2025 | 10/30/2025 |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 58.86 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 21867689 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $817.92 | $68.16 | $3180.00 | $265.00 | $2345.70 | $6621.15 | $42060.95 | N/A | XXXX | XXXX | $265.00 |  | Monthly | 0.00% | 32.10% | 32.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 09/16/2025 | 09/16/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.73 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28206337 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $3258.48 | $271.54 | $0.00 | $0.00 | $2117.61 | $6667.57 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.41 | 1.41 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | 10/28/2025 | 10/28/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.51 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 20302015 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8495 | 11/17/2025 | 6.230% |  |  | No | 8.007% |  | 7.875% |  | XXXX | No |  | XXXX | XXXX | $21739.68 | $1811.64 | $6000.00 | $500.00 | $9400.49 | $21659.72 | $136166.48 | N/A | XXXX | XXXX | $500.00 |  | Monthly | 0.00% | 16.78% | 16.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/06/2025 | 10/06/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 51.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29394165 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 10995 | 11/17/2025 | 6.230% |  |  | No | 8.539% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $4854.48 | $404.54 | $0.00 | $0.00 | $2696.14 | $7873.72 | $80076.22 | N/A |  |  | $0.00 |  |  | 0.00% | 18.31% | 18.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/29/2025 | 10/29/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 52.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 24209259 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 2650.85 | 11/10/2025 | 6.260% |  |  | No | 12.525% |  | 11.875% |  | XXXX | No |  | XXXX | XXXX | $1827.00 | $152.25 | $0.00 | $0.00 | $1526.06 | $2644.33 | $21128.67 | N/A |  |  | $0.00 |  |  | 0.00% | 28.83% | 28.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/20/2025 | 10/20/2025 | 10/20/2025 |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 23.3 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29586450 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 11/17/2025 | 6.230% |  |  | No | 9.168% |  | 8.875% |  | XXXX | No |  | XXXX | XXXX | $657.00 | $54.75 | $3600.00 | $300.00 | $1542.59 | $3735.42 | $6649.58 | Yes | XXXX | XXXX | $300.00 |  | Monthly | 0.00% | 48.85% | 48.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 77 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/16/2025 | 10/16/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  | XXXX |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 49.05 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21028746 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 11/17/2025 | 6.230% |  |  | No | 8.690% |  | 8.625% |  | XXXX | No |  | XXXX | XXXX | $2784.96 | $232.08 | $0.00 | $0.00 | $1879.72 | $7550.54 | $11540.71 | N/A |  |  | $0.00 |  |  | 0.00% | 41.98% | 41.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 61.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 20652703 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3427.5 | 11/24/2025 | 6.260% |  |  | No | 9.056% |  | 8.750% |  | XXXX | No |  | XXXX | XXXX | $2937.24 | $244.77 | $0.00 | $0.00 | $3280.11 | $5327.46 | $16057.73 | N/A |  |  | $0.00 |  |  | 0.00% | 37.12% | 37.12% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 11/13/2025 | 11/13/2025 | 11/13/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 67.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29390610 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7375 | 11/17/2025 | 6.230% |  |  | No | 8.624% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $2346.12 | $195.51 | $0.00 | $0.00 | $3395.57 | $6582.94 | $50661.98 | N/A |  |  | $0.00 |  |  | 0.00% | 27.48% | 27.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/20/2025 | 10/20/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 30.3 | No | 45.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25155204 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | No | No | No | N/A | N/A | 3057.5 | 11/17/2025 | 6.230% |  |  | No | 10.544% |  | 9.625% |  | XXXX | No |  | XXXX | XXXX | $3692.04 | $307.67 | $0.00 | $0.00 | $2164.60 | $3737.37 | $13474.46 | N/A |  |  | $0.00 |  |  | 0.00% | 39.32% | 39.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/15/2025 | 10/15/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 78.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28342181 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 32762.5 | 11/03/2025 | 6.170% |  |  | No | 9.419% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $10417.32 | $868.11 | $0.00 | $0.00 | $23711.28 | $38295.66 | $106334.69 | N/A |  |  | $0.00 |  |  | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 37 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, SECorporation, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/17/2025 | 10/17/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 13.4 | XXXX | 13.4 | No | 16.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 25548171 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9145.43 | 10/20/2025 | 6.240% |  |  | No | 9.579% |  | 9.125% |  | XXXX | No |  | XXXX | XXXX | $2890.32 | $240.86 | $0.00 | $0.00 | $4814.85 | $8685.41 | $28589.77 | N/A |  |  | $0.00 |  |  | 0.00% | 31.55% | 31.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 10/01/2025 | 10/01/2025 |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.3 | XXXX | 28.3 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 28552100 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 11/17/2025 | 6.230% |  |  | No | 8.289% |  | 8.125% |  | XXXX | No |  | XXXX | XXXX | $2090.04 | $174.17 | $1932.00 | $161.00 | $2966.28 | $5324.58 | $10894.93 | N/A | XXXX | XXXX | $161.00 |  | Monthly | 0.00% | 35.66% | 35.66% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 180 | 35 | Work Number | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2025 | 10/23/2025 | 10/23/2025 |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | N/A | N/A |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 4.9 | No | 69.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 29921494 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 12/01/2025 | 6.190% |  |  | No | 8.313% |  | 8.250% |  | XXXX | No |  | XXXX | XXXX | $1130.04 | $94.17 | $0.00 | $0.00 | $1867.02 | $6665.50 | $17919.91 | N/A |  |  | $0.00 |  |  | 0.00% | 41.26% | 41.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/07/2025 | 11/07/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 68.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 27208804 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4018.27 | 11/03/2025 | 6.170% |  |  | No | 9.608% |  | 9.000% |  | XXXX | No |  | XXXX | XXXX | $2814.96 | $234.58 | $0.00 | $0.00 | $3707.57 | $5680.23 | $8206.39 | N/A |  |  | $0.00 |  |  | 0.00% | 46.01% | 46.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 89 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Wage, Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 09/23/2025 | 09/23/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 9.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 23090963 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 19638.75 | 11/24/2025 | 6.260% |  |  | No | 9.355% |  | 9.250% |  | XXXX | No |  | XXXX | XXXX | $5012.76 | $417.73 | $0.00 | $0.00 | $20720.25 | $28175.46 | $392876.14 | N/A |  |  | $0.00 |  |  | 0.00% | 8.40% | 8.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/21/2025 | 10/21/2025 |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 29352886 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 12/01/2025 | 6.190% |  |  | No | 7.806% |  | 7.750% |  | XXXX | No |  | XXXX | XXXX | $3369.12 | $280.76 | $0.00 | $0.00 | $1333.58 | $4387.79 | $7270.57 | N/A |  |  | $0.00 |  |  | 0.00% | 40.16% | 40.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2025 | 11/18/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 25.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 21139264 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1915 | 11/03/2025 | 6.170% |  |  | No | 8.570% |  | 8.500% |  | XXXX | No |  | XXXX | XXXX | $962.88 | $80.24 | $4023.12 | $335.26 | $2179.47 | $5909.21 | $19139.76 | Yes | XXXX | XXXX | $335.26 | 01/01/2026 | Monthly | 0.00% | 43.19% | 43.19% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 3 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 34 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | 10/31/2025 | 10/31/2025 | 10/31/2025 |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.77 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 26522609 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11695 | 11/10/2025 | 6.260% |  |  | No | 8.271% |  | 8.000% |  | XXXX | No |  | XXXX | XXXX | $12200.52 | $1016.71 | $0.00 | $0.00 | $9394.54 | $16643.70 | $17282.30 | N/A |  |  | $0.00 |  |  | 0.00% | 49.36% | 49.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | Yes | 7 | 7 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - CPA Letter Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2025 | 11/19/2025 | 11/19/2025 |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0.9 | XXXX | 6.6 | No | 55.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.2 - Schedule 6**

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 27961648 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.02 | 74.74 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 29397780 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 16.09 | 70.1 | XXXX | XXXX | -.0062 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0062 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 24069393 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.79 | 57.89 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 28040783 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.82 | 67.65 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22764520 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.47 | 79.98 | XXXX | XXXX | -.0217 | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXX |  |  |  |  |  |  | XXXX | XXXX | -.0217 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24372135 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 21.54 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  | XXXX |  | XXXX |  |  | XXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22700809 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.74 | 54.85 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 4.2 | XXXX |
| XXXX | 28384680 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 24.3 | 69.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 28965203 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 35.1 | 64.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22623388 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.75 | 69.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 22477201 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 8.38 | 63.32 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21906951 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 20.66 | 58.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27744760 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.81 | 60.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 20667675 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 10.53 | 77.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 22073246 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 8.01 | 38.29 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24125212 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.29 | 75.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27129081 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.5 | 77.83 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 22043072 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.39 | 64.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | 23041550 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.76 | 62.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25860156 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.91 | 79.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 29162437 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.81 | 56.12 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 | XXXX |
| XXXX | 21400193 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 33.75 | 79.73 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28938911 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.71 | 77.16 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 23864608 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.64 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | 22009944 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.33 | 73.3 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27630532 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.38 | 73.71 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21419048 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.2 | 72.16 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20060064 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.27 | 66.73 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28082574 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.93 | 79.46 | XXXX | XXXX | -.0241 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0241 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 27724758 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 8.16 | 78.53 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24302342 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.17 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21295547 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.98 | 86.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24801232 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.16 | 73.5 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20537991 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.05 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29594325 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.41 | 59.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 24160568 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.0 | 63.53 | XXXX | XXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 24698184 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.49 | 70.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24782772 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.94 | 71.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25916069 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.53 | 74.12 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26090465 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 30.88 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20578548 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 35.0 | 74.61 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | 23735553 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 26.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.2129 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24916623 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.95 | 74.8 | XXXX | XXXX | -.0972 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0972 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20222779 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 10.82 | 58.4 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20642986 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.74 | 52.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 29859603 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.83 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 29048724 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 15.1 | 73.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22716088 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.89 | 68.87 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | 26215705 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.64 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 26495237 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.74 | 52.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 23077134 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.11 | 73.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 28832830 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.43 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0837 | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20819539 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 48.19 | 86.5 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 26924472 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 9.57 | 73.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | XXXX |
| XXXX | 24400002 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.92 | 70.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 28965405 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.35 | 57.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 21780037 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.9 | 79.98 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29530505 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 46.26 | 77.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28894756 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 30.67 | 88.51 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 29280649 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.15 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 22700028 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.57 | 84.3 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20454615 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.18 | 69.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25425904 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.67 | 55.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26932120 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.55 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24520773 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.54 | 89.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24048496 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 12.23 | 44.31 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 23771959 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.64 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 25444366 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.84 | 74.91 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28010359 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.16 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 25797921 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 58.06 | 76.61 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 3.4 | XXXX |
| XXXX | 23754481 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.02 | 90.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | 21548089 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.34 | 76.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 27132310 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 22.8 | 74.98 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26879244 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.7 | 77.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 22605237 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.16 | 77.77 | XXXX | XXXX | -.0467 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0467 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 24209113 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 16.24 | 70.0 | XXXX | XXXX | -.0510 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0510 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22174752 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 12.34 | 69.77 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20836701 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.07 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 24611916 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | 28.99 | 60.67 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24673268 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.82 | 40.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 28658030 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.37 | 79.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 21195814 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.0 | 69.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 22242470 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.29 | 72.44 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25135771 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 14.72 | 38.0 | XXXX | XXXX | .0012 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0012 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20867729 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.56 | 58.56 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29229402 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.18 | 71.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 29263235 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 21.87 | 54.36 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24085294 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.31 | 68.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 26116263 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.56 | 65.57 | XXXX | XXXX | .0418 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0418 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 26087803 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.34 | 78.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 22016459 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.56 | 83.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 28986126 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.86 | 69.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 23992298 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.75 | 35.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 28776363 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 27.14 | 77.62 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28768041 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.67 | 78.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21912868 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.3 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 28490246 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.76 | 51.52 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24440677 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.83 | 35.05 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 28928232 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 13.86 | 69.84 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26288497 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.15 | 64.65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 24522416 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 13.24 | 69.85 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24802291 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.42 | 71.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 26811750 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.28 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 29196067 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 11.4 | 45.14 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20149883 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 47.95 | 73.9 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27300834 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 27.02 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 27572405 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.15 | 74.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 20084940 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.05 | 63.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | 29516312 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.08 | 79.69 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21557217 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.0 | 57.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21877090 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 20.12 | 74.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 26886332 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 32.14 | 72.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 28360090 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.99 | 59.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 24978185 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 24.42 | 69.82 | XXXX | XXXX | -.0481 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0481 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25920256 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 38.94 | 89.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 23955362 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 3.74 | 28.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 26812588 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.78 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 29214551 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.16 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 29517620 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.97 | 69.7 | XXXX | XXXX | -.0328 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0328 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 20031844 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 46.88 | 73.46 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | 22289745 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 20.0 | 67.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 22946172 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 19.93 | 47.32 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22805045 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.29 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 22651160 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.51 | 89.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 25832287 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.85 | 55.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | 27589153 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 28.63 | 74.85 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22915108 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 29.55 | 74.93 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28613755 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 27.61 | 73.44 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27244168 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 19.66 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24176082 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 17.1 | 49.66 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24197032 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 29.22 | 69.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | 23410376 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 15.05 | 70.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 22091323 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.56 | 59.95 | XXXX | XXXX | -.0467 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0467 | 87.0 | 0.13 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24834634 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 23.55 | 71.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 26369136 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.88 | 54.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 21980657 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.3 | 66.89 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 29804466 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.13 | 52.33 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 28928459 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 10.0 | 63.29 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25826023 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.96 | 69.93 | XXXX | XXXX | -.0394 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0394 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 27856714 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.52 | 69.9 | XXXX | XXXX | -.0174 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0174 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 29856789 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 21.46 | 56.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25994884 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 36.34 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 24943334 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.63 | 79.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.7 | XXXX |
| XXXX | 29650949 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.17 | 69.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 24075819 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.83 | 80.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 23483073 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 15.89 | 74.78 | XXXX | XXXX | -.0323 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | -.0323 | 95.0 | 0.05 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 21651173 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 22.16 | 64.98 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29094604 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.63 | 64.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20157745 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.17 | 69.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 26246192 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.92 | 74.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25982368 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 15.83 | 68.73 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 24459165 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 22.22 | 54.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24263455 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 13.59 | 68.86 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27471532 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 17.28 | 59.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 24624061 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.56 | 79.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25001654 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.06 | 84.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 27396143 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 15.92 | 64.2 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28887394 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.96 | 77.41 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 23579705 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 22.71 | 79.9 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25076874 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 33.3 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 23442795 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.47 | 79.27 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 25031768 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.13 | 77.17 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 23157983 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 7.19 | 80.0 | XXXX | XXXX | .0140 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 21233824 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 5.87 | 84.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.9 | XXXX |
| XXXX | 20842413 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 31.9 | 74.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 23655675 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.29 | 68.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 22076591 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.33 | 69.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 26804907 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.92 | 57.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 28732473 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 9.16 | 56.41 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28337975 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 29.03 | 59.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXX | XXX | -.1055 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | N/A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28795328 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 23.08 | 74.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 21821745 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.64 | 90.0 | XXXX | XXXX | .1801 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .1801 | 91.0 | 0.09 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 20801033 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.32 | 62.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 22715721 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 18.17 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 | XXXX |
| XXXX | 23643020 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 13.44 | 30.85 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21954216 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 12.77 | 58.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 25417520 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 11.34 | 57.62 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 20568512 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 34.05 | 63.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 27815236 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 23.33 | 58.86 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21867689 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 36.36 | 69.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 28206337 | XXXX | XXXX | XXXX | 0 | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 28.64 | 69.51 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 20302015 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 14.15 | 51.18 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29394165 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 25.4 | 52.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 24209259 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.71 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 29586450 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 18.07 | 49.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 21028746 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 37.24 | 61.84 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | 20652703 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.14 | 67.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 29390610 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.4 | 45.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 25155204 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.54 | 78.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 28342181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 16.35 | 74.04 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 25548171 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 20.14 | 70.0 | XXXX | XXXX | .0098 | AVM |  |  |  |  |  |  |  |  |  | XXX | XXX | .0098 | 89.0 | 0.11 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 28552100 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 9.89 | 69.43 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 29921494 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 39.29 | 68.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 27208804 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 9.76 | 89.99 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 23090963 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 13.4 | 75.0 | XXXX | XXXX | .0062 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0062 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 29352886 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | 25.12 | 37.23 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 21139264 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 46.0 | 74.77 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 26522609 | XXXX | XXXX | XXXX |  | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 11.36 | 55.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2026-CES1**

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

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 96 loans acquired by Vista Point Mortgage, LLC (the "Client"). The review was performed from August 2025 through January 2026 using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 96 loans for an aggregate original principal balance of $24,970,248.00.

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |

---

**Data integrity, review scope and methodology**

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

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |

---

Page **1** of **18**

![](ex993001.jpg)

---

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

---

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

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

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history,

Page **2** of **18**

![](ex993001.jpg)

income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

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

**Credit, Income, Assets and Employment**

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

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

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

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

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

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

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

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

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

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

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

**Occupancy, Taxes, Title and Insurance**

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

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

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

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

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

Page **3** of **18**

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **4** of **18**

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page **5** of **18**

![](ex993001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Document Review**

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

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

Page **13** of **18**

![](ex993001.jpg)

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

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

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **18**

![](ex993001.jpg)

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

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;94 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**96** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;95 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**96** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**96** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;69 | &nbsp;&nbsp;71.88% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;26 | &nbsp;&nbsp;27.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**96** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **18**

![](ex993001.jpg)

**Exception Summary**

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

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp; **Credit** <br> **Grade A** | &nbsp;&nbsp; **Credit** <br> **Grade B** | &nbsp;&nbsp; **Credit** <br> **Grade C** | &nbsp;&nbsp; **Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;11 | &nbsp;&nbsp;11 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;73 | &nbsp;&nbsp;72 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**139** | &nbsp;&nbsp;**138** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;57 | &nbsp;&nbsp;57 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**71** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **18**

![](ex993001.jpg)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp; **Exception** <br> **Count**  | &nbsp;&nbsp; **Property** <br> **Grade A**  | &nbsp;&nbsp;**Property <br> Grade B** | &nbsp;&nbsp; **Property** <br> **Grade C**  | &nbsp;&nbsp; **Property** <br> **Grade D \***  |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**14** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;4 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;89.58% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;12 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;7 | &nbsp;&nbsp;92.71% |

---

Page **17** of **18**

![](ex993001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;18 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.96% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;21 | &nbsp;&nbsp;78.13% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;9 | &nbsp;&nbsp;90.63% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;7 | &nbsp;&nbsp;92.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**125** | &nbsp;&nbsp;**96.93%** |

---

Page **18** of **18**

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | Exception Report |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 34746630 | XXX | XXX D A | Closed | FCOM1233 | 2025-08-18 13:12 | 2025-10-10 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received supporting documentation XXX is paid by the business. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. I have uploaded the partnership return inclusive of form 8825 which shows mortgage interest paid along with taxes for the properties in question. Although the mortgage is held by the borrower, it is paid thru the corp. - Seller-09/26/2025 <br> Open-The Final 1003 is Incomplete Borrower owns an additional real estate property located at XXX. Although we have both the mortgage statement and the mortgage payment reflected on the credit report, this property was not listed on the 1003 loan application as a REO. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. I have uploaded the partnership return inclusive of form 8825 which shows mortgage interest paid along with taxes for the properties in question. Although the mortgage is held by the borrower, it is paid thru the corp. - Seller-09/26/2025<br>| Resolved-Received supporting documentation XXX is paid by the business. - Due Diligence Vendor-09/26/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX XXX Title Rundown.pdf<br> XXX XXX Title Rundown.pdf<br> XXX Business Tax Returns.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34746630 | XXX | XXX D A | Closed | FCRE1158 | 2025-08-18 10:04 | 2025-10-08 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy reflecting property address. - Due Diligence Vendor-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Counter-Received HOI Acord form, however policy premium and deductible are not listed. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Hazard Insurance Policy Partially Provided Insured property address is not provided. Policy only provides the mailing address. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received HOI policy reflecting property address. - Due Diligence Vendor-10/08/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | PROPERTY ACORD.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34746630 | XXX | XXX D A | Closed | FCRE8946 | 2025-08-18 13:19 | 2025-09-29 14:40 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Received updated paystub. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. This is a post close paystub...dated XXX which also validates borrower is still employed - Seller-09/29/2025 <br> Open-An updated paystub is needed, as the one currently on file dated XXX exceeds the lender's 60-day document age requirement and expired on XXX. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. This is a post close paystub...dated XXX which also validates borrower is still employed - Seller-09/29/2025 | Resolved-Received updated paystub. - Due Diligence Vendor-09/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX paystub.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34746630 | XXX | XXX D A | Closed | FCRE3653 | 2025-08-20 09:21 | 2025-09-26 15:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34746630 | XXX | XXX D A | Closed | FCOM8805 | 2025-08-18 13:15 | 2025-09-26 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Credit report dated XXX pulled by XXX. Inc is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-09/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX credit verbal Autho XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35074318 | XXX | XXX D A | Closed | FCRE1157 | 2025-08-20 09:26 | 2025-09-29 16:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received current and renewal HOI policy. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Counter-Received HOI at closing and renewal policy, however 2nd Mortgagee is incorrect. Missing updated HOI policy reflecting correct Mortgagees. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Missing Hazard Insurance Policy Missing copy of subject property's hazard policy. Policy coverage must cover all liens on subject property, must contain Loan number, Loss mortgagee and policy premium. Subject to additional conditions upon receipt. - Due Diligence Vendor-08/21/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received current and renewal HOI policy. - Due Diligence Vendor-09/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX HOI Binder at close.pdf<br> XXX HOI Renewal.pdf<br> Evidence of Insurance - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 35074318 | XXX | XXX D A | Closed | FCRE4963 | 2025-08-21 18:06 | 2025-09-26 14:30 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received payoff statements for XXX #XXX and XXX #XXX. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Payoffs for XXX and XXX - Seller-09/26/2025 <br> Open-Missing Payoffs for the following Installments reflected as paid at closing: 1. XXX #XXX; 2. XXX #XXX. - Due Diligence Vendor-08/21/2025 | Ready for Review-Payoffs for XXX and XXX - Seller-09/26/2025 | Resolved-Received payoff statements for XXX #XXX and XXX #XXX. - Due Diligence Vendor-09/26/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX%% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX XXX payoff.pdf<br> XXX XXX Finance payoff.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 38108171 | XXX | XXX D A | Closed | FCRE1254 | 2025-10-07 10:54 | 2025-10-09 13:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from title, lien position will be 2nd lien position upon issuance of final title. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 <br> Open-The title company issued a First Lien letter stating, "Your mortgage, in the amount of $XXX, is a valid first lien on the property." The lender must confirm that the loan is actually in a second lien position. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received confirmation from title, lien position will be 2nd lien position upon issuance of final title. - Due Diligence Vendor-10/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - lien position LOE from title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38108171 | XXX | XXX D A | Closed | FCRE9814 | 2025-10-07 10:43 | 2025-10-09 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received executed Attorney Opinion Letter for both borrowers. - Due Diligence Vendor-10/09/2025 <br> Open-Missing executed Attorneys Opinion letter from XXX for each borrower. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/09/2025<br>| Resolved-Received executed Attorney Opinion Letter for both borrowers. - Due Diligence Vendor-10/09/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% | Missing executed Attorneys Opinion letter from XXX for each borrower. | XXX - attorney letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34320567 | XXX | XXX C A | Closed | FCOM1265 | 2025-09-19 12:27 | 2025-09-25 11:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Received Notice of Right to Cancel for Non-Borrowing Title Holder. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received Notice of Right to Cancel for Non-Borrowing Title Holder. - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXXX NORTC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34320567 | XXX | XXX C A | Closed | FCOM9558 | 2025-09-19 12:02 | 2025-09-24 15:12 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Sale Price/Estimated Value is missing or inaccurate | Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Appraised Property Value of $XXX. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-On the Final Closing Disclosure Issued XXX under the Closing Information section on Page 1, it reflects an Appraised Prop. Value of XXX and it should reflect an Appraised Prop. Value of $XXX matching the Appraisal and 1008 in file. Need Post Consummation Closing Disclosure with explanation letter to borrower and proof of method of delivery reflecting accurate Appraised Prop. Value. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Appraised Property Value of $XXX. - Due Diligence Vendor-09/24/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30840985 | XXX | XXX C A B | Closed | FCRE1254 | 2025-09-05 18:24 | 2025-09-30 16:21 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received supporting documentation off UCC Termination. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/30/2025 <br> Counter-Received financing statement recorded XXX. Still missing copy of UCC filing recorded XXX by XXX (instrument XXX-XXX) to ensure the item is not secured against the real property at XXX (subject prop). Unable to determine if this is a fixture filing only. Additional conditions may apply upon receipt. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Property Title Issue Title item #6 (financing statement recorded XXX by XXX (instrument 2021-039498) was not satisfactorily addressed. Missing copy of UCC filing to ensure the item is not secured against the real property at XXX (subject prop). Unable to determine if this is a fixture filing only. Additional conditions may apply upon receipt. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received supporting documentation off UCC Termination. - Due Diligence Vendor-09/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Solar.pdf<br> UCC release.pdf<br> UCC release (2).pdf<br> index (1).pdf<br> SUBORDINATION REQUEST 1-Notarized (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30840985 | XXX | XXX C A B | Closed | FCRE1167 | 2025-09-04 14:09 | 2025-09-17 16:08 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Document Uploaded. - Seller-09/16/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $XXX is less than all Subject Lien(s) totaling $XXX and Guaranteed Replacement Coverage/Replacement Cost Estimate not provided. - Due Diligence Vendor-09/05/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-09/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX ins cal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30840985 | XXX | XXX C A B | Closed | FCOM1329 | 2025-09-04 10:18 | 2025-09-16 19:38 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/16/2025 <br>Open-Loan option disclosure is missing. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/16/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-09/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | asd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 37927669 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-24 10:16 | 2025-09-29 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit supplement reflecting updated balance/payments for accounts on UDM report. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Undisclosed Debt Monitoring report received, however, unable to determine if payment changed for debt reflecting "Utilization". A Credit Supplement/GAP Credit Report is required. Subject to recalculation of DTI. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received credit supplement reflecting updated balance/payments for accounts on UDM report. - Due Diligence Vendor-09/29/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 50% |  | XXX credit sup.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37927669 | XXX | XXX D A | Closed | FCOM8805 | 2025-09-25 09:39 | 2025-09-29 13:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-09/29/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 50% |  | XXX Credit Authorization Document.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37927669 | XXX | XXX D A | Closed | FCOM1477 | 2025-09-24 11:17 | 2025-09-26 16:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Rate Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Evidence of Rate Lock Missing Initial Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, missing any form of rate lock confirmation that reflects the date the rate was locked. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received Rate Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-09/26/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 50% |  | XXX Rate Lock LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39774160 | XXX | XXX D A | Closed | FCRE1676 | 2025-09-04 18:28 | 2025-09-30 18:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received lender comments. Original note has conversion option to fixed rate. Credit report supports history from XXX thru XXX coupled with VOM supporting original ARM product on original Note was changed to fixed rate product. Conversion option supported. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Is the WVOM; payment history and mortgage statement all showing conventional not acceptable? - Seller-09/30/2025 <br> Counter-Received Conversion Rider to Note, however missing supporting documentation the borrower exercised the conversion option. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. Please see attached – borrower exercised conversion, and loan is now a fixed rate loan – NOTE – none of the late payments were over 30 days - Seller-09/29/2025 <br> Counter-Received copy of 1st lien Note, however it is a Negative Amortization Note and ineligible per guidelines. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Missing copy of senior lien Note to determine if senior lien type is eligible. Mortgage statement provided reflects a deferred balance and the title report shows senior lien original balance of $XXX with a maximum allowed balance of $XXX. Unable to determine if senior lien is eligible. - Due Diligence Vendor-09/04/2025 | Ready for Review-Is the WVOM; payment history and mortgage statement all showing conventional not acceptable? - Seller-09/30/2025 <br>Ready for Review-Document Uploaded. Please see attached – borrower exercised conversion, and loan is now a fixed rate loan –<br>NOTE – none of the late payments were over 30 days - Seller-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received lender comments. Original note has conversion option to fixed rate. Credit report supports history from XXX thru XXX coupled with VOM supporting original ARM product on original Note was changed to fixed rate product. Conversion option supported. - Due Diligence Vendor-09/30/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Note_XXX.pdf<br> XXX Decl Page.pdf<br> XXX vom.pdf<br> XXX modifiction.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39774160 | XXX | XXX D A | Closed | FCRE1157 | 2025-09-02 13:01 | 2025-09-05 16:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy for subject property. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open-Missing Hazard Insurance Policy Hazard policies provided are for the primary residence only. Missing hazard policy for subject property. Subject to re-calculation of DSCR upon receipt. - Due Diligence Vendor-09/04/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Received HOI policy for subject property. - Due Diligence Vendor-09/05/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | HOI cor.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39774160 | XXX | XXX D A | Closed | FCOM8805 | 2025-09-02 15:49 | 2025-09-05 15:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-09/05/2025 <br> Ready for Review-Document Uploaded. - Seller-09/05/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-09/05/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX Credit Authorization.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31650082 | XXX | XXX D A | Closed | FCRE1316 | 2025-09-15 09:13 | 2025-09-26 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE prior to closing. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received VVOE prior to closing. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31650082 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-12 15:11 | 2025-09-23 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender commentary received - Payments calculated at 5% of remaining balance and included in DTI. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Would you be willing to follow XXX in the absence of a payment and use 5%? - Seller-09/23/2025 <br> Counter-Received gap credit report, however XXX accounts #XXX and #XXX reflect balances of $XXX and $XXX with no monthly payments. Missing current statements or credit supplement evidencing monthly payment amounts. Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Would you be willing to follow XXX in the absence of a payment and use 5%? <br> - Seller-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 | Resolved-Lender commentary received - Payments calculated at 5% of remaining balance and included in DTI. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | credit Refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31650082 | XXX | XXX D A | Closed | FCRE7872 | 2025-09-15 10:42 | 2025-09-18 17:29 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Interest Rate Variance | Resolved-Received updated 1008 reflecting correct Interest Rate. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Final 1008 Interest Rate Variance Note reflects 9.875% and 1008 reflects 11.125% - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received updated 1008 reflecting correct Interest Rate. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31650082 | XXX | XXX D A | Closed | FCOM8805 | 2025-09-15 10:28 | 2025-09-18 17:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | borrower's authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36281948 | XXX | XXX C A | Closed | FCRE1648 | 2025-10-17 13:37 | 2025-10-23 12:39 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received signed 1st Lien Note. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility Provided Note on page#284-286 for 1st lien with XXX LOAN #:XXX is unsigned. Missing a copy of the first lien note or mortgage statement. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received signed 1st Lien Note. - Due Diligence Vendor-10/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37740249 | XXX | XXX D A | Closed | FCRE7347 | 2025-10-03 21:52 | 2025-10-24 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lender confirms use of lower rental value. - Due Diligence Vendor-10/24/2025 <br> Ready for Review- Could you use the lower amount and adjust the pricing accordingly. - Seller-10/24/2025 <br> Counter-The lease agreement for Unit 2 is dated after the loan closing and reflects a rental amount higher than the rent listed in the appraisal ($XXX). DSCR was calculated using the actual in-place rent of $XXX at the time the appraisal was completed, rather than the market rent of $XXX. In accordance with guidelines, the higher lease rent for Unit 2 was not used in the DSCR calculation. For the higher rents to be used for unit 2 to calculate the DSCR, per guidelines proof of receipt of the security deposit of $XXX would need to be supplied as listed in the terms of the newly established lease agreement. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Counter-Received lease agreements for Unit 1 and unit 2, however lease agreement for unit 1 is not signed. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/18/2025 <br> Counter-Lender commentary received, however still missing lease agreements for units 1 and 2 as they are not included in the loan file. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-In XXX overstaying a lease term per statute is an automatic conversion to MTM https://XXX/sites/default/files/tenants_rights.pdf - Seller-10/10/2025 <br> Open-Missing lease agreements for units 1 and 2 and evidence of an extension of lease term or that the lease for unit 3 has rolled over to a month-to-month term as the term ended XXX. - Due Diligence Vendor-10/04/2025 | Ready for Review- Could you use the lower amount and adjust the pricing accordingly. - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/18/2025 <br> Ready for Review-In XXX overstaying a lease term per statute is an automatic conversion to MTM<br>https://XXX/sites/default/files/tenants_rights.pdf<br>- Seller-10/10/2025 | Resolved-Lender confirms use of lower rental value. - Due Diligence Vendor-10/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXXLeaseUnit1.pdf<br> Lease unit 2.pdf<br> XXXLeaseUnit1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37740249 | XXX | XXX D A | Closed | FCOM8805 | 2025-10-02 12:20 | 2025-10-07 13:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-10/02/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-10/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX BORROWER AUTHORIZATION.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35320369 | XXX | XXX C A | Closed | 1000609-1001960 | 2025-09-12 11:18 | 2025-09-19 08:49 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/19/2025 <br> Resolved- - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-09/12/2025 <br> Open- - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/19/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Pre-Closing - Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37062725 | XXX | XXX D A | Closed | FCRE1151 | 2025-09-18 14:01 | 2025-09-19 16:45 | Resolved | 1 - Information C A | Credit | Title | Satisfactory Chain of Title not Provided | Resolved-Received supporting documentation. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. - Seller-09/19/2025 <br> Open-Unsatisfactory Chain of Title provided Title missing 1st mortgage with XXX/XXX and 2nd mortgage with XXX liens. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/19/2025<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-09/19/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | title email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37062725 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-16 15:55 | 2025-09-18 17:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. - Seller-09/18/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/18/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Credit Report refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37828661 | XXX | XXX D A B | Closed | FCRE7810 | 2025-09-19 14:06 | 2025-10-02 13:42 | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-Guideline clarification received via Lender LOX. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-As per Guideline Title supplement must be obtained confirming our lien position of XXX #XXX - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Guideline clarification received via Lender LOX. - Due Diligence Vendor-10/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 37828661 | XXX | XXX D A B | Closed | FCRE5782 | 2025-09-19 11:31 | 2025-10-02 09:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-10/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Softpull report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 37828661 | XXX | XXX D A B | Closed | FCOM1329 | 2025-09-19 12:52 | 2025-10-01 18:02 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Loan Option Disclosure is missing from the file. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received Anti-Steering Disclosure. - Due Diligence Vendor-10/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | D22-Anti-steering Disclosure (12).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 36710483 | XXX | XXX D A | Closed | FCRE6737 | 2025-09-12 14:43 | 2025-10-07 15:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-Received Lender LOX regarding absence of deposits. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Open-A letter of explanation is missing regarding the absence of deposits in the business account XXX #XXX 'XXX' for the months of XXX, XXX, XXX, XXX and XXX. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received Lender LOX regarding absence of deposits. - Due Diligence Vendor-10/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 36710483 | XXX | XXX D A | Closed | FCRE1148 | 2025-09-12 12:33 | 2025-10-03 10:30 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing updated Schedule/Title Supplemental Report reflecting sufficient loan amount coverage. Loan amount is $XXX. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-10/03/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 36710483 | XXX | XXX D A | Closed | FCRE4963 | 2025-09-16 12:51 | 2025-10-03 10:29 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Final Settlement Statement reflecting payoff of/to XXX. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Final Closing Disclosure reflects a payoff to XXX, however, all documentation submitted reflects the payoff should be XXX xx XXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received Final Settlement Statement reflecting payoff of/to XXX. - Due Diligence Vendor-10/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | reconveyance.pdf<br> Final settlement statement XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 39904181 | XXX | XXX D A C | Closed | FCRE1168 | 2025-09-23 17:28 | 2025-09-25 17:02 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received evidence of sufficient HOI coverage. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. The endorsement on the COI shows extended replacement cost-dwelling. The screenshots shows it has 50% replacement cost. - Seller-09/25/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX Missing HO3 policy with adequate insurance to cover at minimum RCE value of $XXX. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. The endorsement on the COI shows extended replacement cost-dwelling. The screenshots shows it has 50% replacement cost. - Seller-09/25/2025<br>| Resolved-Received evidence of sufficient HOI coverage. - Due Diligence Vendor-09/25/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75%. |  | XXX Replacement cost.pdf<br> XXX Replacement COI.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39904181 | XXX | XXX D A C | Closed | FCOM1233 | 2025-09-22 11:50 | 2025-09-24 15:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received 1003 with complete Section 8: Demographic Information. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025 <br>Open-The Final 1003 is Incomplete Section 8: Demographic Information (The Race selection) on the final and initial 1003/URLA is incomplete. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received 1003 with complete Section 8: Demographic Information. - Due Diligence Vendor-09/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75%. |  | XXX 1003.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39904181 | XXX | XXX D A C | Closed | FCOM1003 | 2025-09-22 14:06 | 2025-09-24 15:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Grant Deed Dated XXX that confirms Vesting on Deed of Trust in file. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Grant Deed Dated XXX that confirms Vesting on Deed of Trust in file. - Due Diligence Vendor-09/24/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 75%. |  | XXX GD.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33179973 | XXX | XXX D A | Closed | FCRE8611 | 2025-10-09 13:10 | 2025-10-17 11:43 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received evidence of first and second months' rent deposit. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Counter-Lender LOX received. Still pending evidence of deposit of first month's rent check #XXX in the amount of $XXX. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Received evidence of first and second month's rent, however missing evidence of deposit of first month's rent check #XXX in the amount of $XXX. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-When using a lease agreement, the lease agreement amount must be supported by evidence the terms of the lease have gone into effect. Evidence must include copies of the security deposit and first full month's rent check with proof of deposit for newly executed agreements for property located at XXX. (this property became a rental on XXX as borrower purchased a new primary home) - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received evidence of first and second months' rent deposit. - Due Diligence Vendor-10/17/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX.pdf<br> UW LOX.pdf<br> XXX XXX cancelled rent check for tenant XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 33179973 | XXX | XXX D A | Closed | FCRE7497 | 2025-10-07 15:36 | 2025-10-14 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation of no HOA Dues for property located at XXX. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Received duplicate REO docs already included in loan file. Still missing letter from borrower disclosing presence or absence of any HOA fees on XXX Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Missing letter from borrower disclosing presence or absence of any HOA fees on XXX Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received supporting documentation of no HOA Dues for property located at XXX. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | other reo.pdf<br> UW LOX.pdf<br> XXX XXX tax assessor.pdf<br> XXX XXX rent.pdf<br> XXX check from title for IRS.pdf<br> XXX XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 33179973 | XXX | XXX D A | Closed | FCRE6843 | 2025-10-09 13:06 | 2025-10-14 11:56 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-Received evidence 2024 IRS taxes in the amount of $XXX have been paid through closing. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Counter-Received Closing Disclosure reflecting the payment of the tax lien in the amount of $XXX, however Closing Disclosure is not signed. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Missing evidence borrower paid their XXX IRS taxes in the amount of $XXX. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received evidence XXX IRS taxes in the amount of $XXX have been paid through closing. - Due Diligence Vendor-10/14/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Closing Disclosure XXX XXX tax lien paid at closing.pdf<br> XXX check from title for IRS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34345877 | XXX | XXX D A C | Closed | 50001258-Fees-Limited | 2025-10-15 12:32 | 2025-11-06 13:22 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Reimbursement of $XXX to Borrower with proof of Reimbursement Check, Delivery of PCCD, and Explanation Letter to Borrower. - Due Diligence Vendor-11/06/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/06/2025 <br> Ready for Review-Document Uploaded. - Seller-11/06/2025 <br> Counter-Received Post Consummation Closing Disclosure Issued XXX that reflects decrease in "Recording Fees" to $XXX, resulting in the new following Fail: The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-10/28/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-10/28/2025 <br> Open- - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Counter-Received Closing Disclosure Re-Disclosure/Changed Circumstance Notice dated XXX, however, need Change of Circumstance for Initial Closing Disclosure Issued XXX reflecting the increase in Recording Fees. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). On the Initial Closing Disclosure Issued XXX the "Recording Fees" increased without a valid Change of Circumstance, resulting in the following Fail: The total amount of the 10% category fees on the last Closing Disclosure ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-10/15/2025 <br> Open- - Due Diligence Vendor-10/15/2025 | Ready for Review-Document Uploaded. - Seller-11/06/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Reimbursement of $XXX to Borrower with proof of Reimbursement Check, Delivery of PCCD, and Explanation Letter to Borrower. - Due Diligence Vendor-11/06/2025 <br> Resolved-Resolved - Due Diligence Vendor-11/06/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Closing Disclosure Re-Disclosure _ Changed Circumstance Notice - Pre-Closing #4.pdf<br>PCCD.pdf<br>PCCD-Ck-Tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34345877 | XXX | XXX D A C | Closed | FCRE1145 | 2025-10-15 11:08 | 2025-10-28 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received final title policy reflecting removal of title item #8. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Counter-Received title commitment. Missing HELOC Freeze/Close Out Letter per title item #8. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Lets try this again - Seller-10/24/2025 <br>Counter-Received escrow instructions. Still missing actual preliminary title commitment. - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Open-Title Document is missing Additional conditions may apply. - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. Lets try this again - Seller-10/24/2025 <br>Ready for Review-Document Uploaded. - Seller-10/23/2025<br>| Resolved-Received final title policy reflecting removal of title item #8. - Due Diligence Vendor-10/28/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Title Commitment.pdf<br> PRELIM-LINKED-titleLOOK.pdf<br> XXX Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37287648 | XXX | XXX D A B | Closed | FCOM8805 | 2025-09-16 14:36 | 2025-10-02 13:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as credit report was pulled XXX which is prior to borrower's authorization given on XXX. Still missing borrower authorization to pull credit on XXX. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-10/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | Credit Processor Cert.pdf<br>verbal credit authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37287648 | XXX | XXX D A B | Closed | 1000594-1001944 | 2025-09-16 13:23 | 2025-09-24 10:12 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date | Resolved-Received Processor Certification that reflects XXX Closing Disclosure was a Preliminary Closing Disclosure. - Due Diligence Vendor-09/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-A Revised Loan Estimate was Issued XXX and the Initial Closing Disclosure was also Issued XXX, resulting in the following Fail: The Last Loan Estimate was provided on (XXX) which is on or after (XXX), the date on which the Initial Closing Disclosure was provided. Under Regulation Z, a creditor shall not provide a revised version of the Loan Estimate on or after the date on which a creditor provides the Closing Disclosure. (12 CFR 1026.19(e)(4)(ii)) - Due Diligence Vendor-09/16/2025 <br> Open- - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Processor Certification that reflects XXX Closing Disclosure was a Preliminary Closing Disclosure. - Due Diligence Vendor-09/24/2025 <br> Resolved-Resolved - Due Diligence Vendor-09/24/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | LE and CD Processor Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37287648 | XXX | XXX D A B | Closed | FCRE7878 | 2025-09-16 14:15 | 2025-09-17 17:14 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated 1008 reflecting revised DTI. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025 <br>Open- - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received updated 1008 reflecting revised DTI. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_XXX_1008.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37287648 | XXX | XXX D A B | Closed | FCRE7877 | 2025-09-16 13:35 | 2025-09-17 17:13 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Lien Position Variance | Resolved-Received updated 1008 reflecting 2nd lien. - Due Diligence Vendor-09/17/2025 <br>Ready for Review-Document Uploaded. - Seller-09/17/2025 <br>Open-The file is 2nd lien Primary Refinance however on 1008 it indicates 1st lien. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-09/17/2025<br>| Resolved-Received updated 1008 reflecting 2nd lien. - Due Diligence Vendor-09/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_XXX_1008.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30113946 | XXX | XXX D A C | Closed | FCRE1204 | 2025-09-18 14:26 | 2025-09-24 14:36 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert items. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed the following high impact alert items noted on fraud report: 1) NMLS search returned no state license match on XXX. 2) NMLS search returned no federal registration on XXX \*\* these last two should be added to the condition so the lender provides documentation to overcome the alert items. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert items. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Fraud.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30113946 | XXX | XXX D A C | Closed | FCRE1148 | 2025-09-18 12:40 | 2025-09-24 14:34 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Final Title Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30113946 | XXX | XXX D A C | Closed | FCOM4227 | 2025-09-18 15:20 | 2025-09-23 18:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-09/23/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX ICD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCRE1325 | 2025-09-16 11:32 | 2025-10-23 09:44 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Counter-Received Scenario Request Form. Missing signed internal exception waiver form (to include Comp Factors) and investor exception approval. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025 <br> Counter-Lender commentary received. Expense Factor Method 2 was applied - guideline reflects CPA must review most recent years tax returns to support expense factor (15%.) Per CPA Letter provided, only 12 months bank statements were reviewed which does not appear to meet prior tax return requirements. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Business<br> Provide the most recent 12 months of business bank statements. Two options for evaluating business bank statements are available. Multiple accounts may be utilized for calculating the business' cash flow; however, the same method must be applied to all accounts. Transfers between a borrower's business accounts are not considered deposits. Any abnormal deposits will need to be sourced and documented. The borrower (s) combined must own 25% or more of the business to utilize business bank statements. Updated statements through funding may be required at the XXX underwriter's discretion.<br> • Method One \| Uniform Expense Ratio - Multiply eligible deposits reflected in the 12- month bank statements by a 50% expense ratio. Then multiply the result by the borrower's ownership percentage and divide by 12. If this expense ratio is deemed reasonable in comparison to the borrower's line of work and the borrower qualifies, no further information is required.<br> • Method Two \| Expense Ratio Statement - Provide a letter from a licensed CPA or other licensed Tax Professional stating the business' expense ratio based on reviewing or preparing the most recent year's tax return. The letter may not include any exclusionary language from the preparer, holding them harmless from the validity of the information provided in the document. Multiply the expense ratio by the business' total eligible deposits over the 12-month period shown on bank statements. Deduct that figure from the total deposits. Multiply net deposits by the borrower's ownership percentage and divide by 12. The resulting income should be deemed reasonable in comparison to the borrower's line of work.<br> • Please Note: The minimum Expense Factor with the Expense Ratio Statement is 10%.<br> - Seller-10/14/2025 <br> Counter-Received lender comments however, insufficient to clear. The CPA letter does not state the expense ratio is based on the most recent year's filed tax return as required by guidelines. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 <br> Open-Borrower 1 CPA Letter Missing CPA letter provided states they reviewed the borrowers financials but does not meet the guideline requirement stating the expense ratio is based on the most recent year's filed tax return. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/20/2025 <br> Ready for Review-Business<br> Provide the most recent 12 months of business bank statements. Two options for evaluating business bank statements are available. Multiple accounts may be utilized for calculating the business' cash flow; however, the same method must be applied to all accounts. Transfers between a borrower's business accounts are not considered deposits. Any abnormal deposits will need to be sourced and documented. The borrower (s) combined must own 25% or more of the business to utilize business bank statements. Updated statements through funding may be required at the XXX underwriter's discretion.<br> • Method One \| Uniform Expense Ratio - Multiply eligible deposits reflected in the 12- month bank statements by a 50% expense ratio. Then multiply the result by the borrower's ownership percentage and divide by 12. If this expense ratio is deemed reasonable in comparison to the borrower's line of work and the borrower qualifies, no further information is required.<br> • Method Two \| Expense Ratio Statement - Provide a letter from a licensed CPA or other licensed Tax Professional stating the business' expense ratio based on reviewing or preparing the most recent year's tax return. The letter may not include any exclusionary language from the preparer, holding them harmless from the validity of the information provided in the document. Multiply the expense ratio by the business' total eligible deposits over the 12-month period shown on bank statements. Deduct that figure from the total deposits. Multiply net deposits by the borrower's ownership percentage and divide by 12. The resulting income should be deemed reasonable in comparison to the borrower's line of work.<br> • Please Note: The minimum Expense Factor with the Expense Ratio Statement is 10%.<br>- Seller-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/02/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% | 1) 0x30 on all mortgages<br> 2) XXX years on job<br> 3) XXX years in the home | XXX LOE.pdf<br> XXX XXX.pdf<br> XXX Exception Waiver Form - XXX (002).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCRE1159 | 2025-09-12 09:39 | 2025-10-14 13:52 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received supporting documentation reflecting HOI coverage at time of loan closing. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received supporting documentation reflecting HOI coverage at time of loan closing. - Due Diligence Vendor-10/14/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX PROCESSOR CERT UPDATED.pdf<br> Binder of Insurance.pdf<br> XXX- XXX old loss payee- property was bound by ins.pdf<br> CURRENT POLICY WITH XXX LOSS PAYEE XXX-XXX.pdf<br> XXX email.pdf<br> XXX-XXX old loss payee- property was bound by ins.pdf<br> CURRENT POLICY WITH XXX LOSS PAYEE XXX-XXX.pdf<br> PROCESSOR CERT ON HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCRE4963 | 2025-09-16 11:35 | 2025-10-02 20:00 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received lender explanation using credit report balance for payoff amount. Unsecured installment loan reported on credit. - Due Diligence Vendor-10/03/2025 <br> Ready for Review-We don't need payoff statements for installment loans reporting on credit. We use the balance on the credit report or the Soft Pull. The solar panels are not showing on title either, so there are no lien issues or concerns. - Seller-10/02/2025 <br> Open-Missing copy of payoff statement to support payoff of $XXX to XXX (solar). - Due Diligence Vendor-09/16/2025 | Ready for Review-We don't need payoff statements for installment loans reporting on credit. We use the balance on the credit report or the Soft Pull. The solar panels are not showing on title either, so there are no lien issues or concerns. - Seller-10/02/2025<br>| Resolved-Received lender explanation using credit report balance for payoff amount. Unsecured installment loan reported on credit. - Due Diligence Vendor-10/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCRE1676 | 2025-09-16 11:36 | 2025-10-01 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received HELOC Close Out Letter. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Missing copy of HELOC closure letter to support 2nd lien to XXX XXX is closed to future advances. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received HELOC Close Out Letter. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX2ND-XXX-Heloc-Close out Letter-Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCRE1166 | 2025-09-16 10:36 | 2025-10-01 16:23 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received supporting documentation of sufficient HOI coverage. - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-10/01/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received supporting documentation of sufficient HOI coverage. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Insurance Calculator.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35904642 | XXX | XXX D B A | Closed | FCOM1329 | 2025-09-12 11:27 | 2025-10-01 16:06 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-10/01/2025 <br>Ready for Review-Document Uploaded. - Seller-10/01/2025 <br>Open-Missing Loan Options Disclosure/Anti-Steering Disclosure from the file. - Due Diligence Vendor-09/12/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received Anti-Steering Loan Options Disclosure. - Due Diligence Vendor-10/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_ Anti-Steering Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34773270 | XXX | XXX D A C | Closed | FCOM8805 | 2025-10-13 16:36 | 2025-10-30 12:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-The File # on the Credit Report dated XXX is #XXX. The screenshot provided in the LOE shows the reference # XXX. Please clarify what is not matching. - Seller-10/30/2025 <br> Counter-Received borrower authorization, however Credit Reference # does not match Credit Reference # on credit report. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-10/13/2025 | Ready for Review-The File # on the Credit Report dated XXX is #XXX. The screenshot provided in the LOE shows the reference # XXX. Please clarify what is not matching. - Seller-10/30/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 | Resolved-Received borrower authorization. - Due Diligence Vendor-10/30/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX - LOE borrower authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34773270 | XXX | XXX D A C | Closed | FCRE1167 | 2025-10-13 15:59 | 2025-10-21 16:11 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $393688 is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $XXX. - Due Diligence Vendor-10/14/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Received RCE confirming sufficient coverage. - Due Diligence Vendor-10/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX - checklist of cov.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 39550777 | XXX | XXX D B C A | Closed | FCRE1148 | 2025-10-03 13:08 | 2026-01-26 14:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-10/27/2025 <br> Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Title report lender coverage amount is not listed - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX - Due Diligence Vendor-10/27/2025 <br> Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-10/13/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | Combined Loan Policy_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39550777 | XXX | XXX D B C A | Closed | FCRE1254 | 2025-10-07 19:05 | 2026-01-26 14:47 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy reflecting XXX for solar panels is subordinated to the subject lien. Included in DTI and CLTV. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Property Title Issue Missing copy of Financing Statement (item #12) for the financed solar panels with XXX/XXX/XXX XXX. Solar panels appear to be a lien on the subject property and are not paid thru the loan. Missing evidence the solar obligation is not affixed to the subject property and will not be a lien superior to the subject loan. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received final title policy reflecting UCC Lien for solar panels is subordinated to the subject lien. Included in DTI and CLTV. - Due Diligence Vendor-10/13/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | Combined Loan Policy_2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39550777 | XXX | XXX D B C A | Closed | FVAL5524 | 2025-10-07 19:37 | 2025-10-20 09:32 | Waived | 2 - Non-Material C B | Property | Property | Ineligible Property | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/20/2025 <br> Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. Per XXX: "What we need you to do now, is put your exception form in the file and send it to the TPR. The file will then get flagged and graded B by the TPR for us to review." - Seller-10/17/2025 <br> Counter-Received internal exception waiver form. Missing investor exception approval. - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. Exception approve by XXX. - Seller-10/16/2025 <br> Open-Subject property is a single family residence with two ADUs and ineligible per guidelines (multiple dwellings on single lot (1 legal ADU acceptable on SFR)). - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Per XXX: "What we need you to do now, is put your exception form in the file and send it to the TPR. The file will then get flagged and graded B by the TPR for us to review." - Seller-10/17/2025 <br> Ready for Review-Document Uploaded. Exception approve by XXX. - Seller-10/16/2025 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/20/2025 <br>Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-10/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% | 1) LTV of XXX% is less than 80% maximum<br> 2) XXX% DTI is less than 50% maximum | XXX Exception Form.pdf<br> Exception Email Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| XXX | 39550777 | XXX | XXX D B C A | Closed | FCOM8805 | 2025-10-03 15:23 | 2025-10-14 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/14/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-10/14/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | Credit Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39550777 | XXX | XXX D B C A | Closed | FCOM1221 | 2025-10-03 14:52 | 2025-10-12 14:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-10/12/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-10/12/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% LTV is less than maximum LTV per guidelines 80% |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38957909 | XXX | XXX C A | Closed | FVAL9739 | 2025-09-23 11:00 | 2025-10-02 09:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received appraisal transfer letter. - Due Diligence Vendor-10/02/2025 <br> Ready for Review-Document Uploaded. - Seller-10/01/2025 <br> Open-Missing appraisal transfer letter from XXX to XXX. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-10/01/2025<br>| Resolved-Received appraisal transfer letter. - Due Diligence Vendor-10/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX-XXX-APPRAI_1.PDF.xps.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33151039 | XXX | XXX D A C | Closed | FCRE1676 | 2025-09-18 15:09 | 2025-09-26 15:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received Assumption Consent Statement reflecting loan terms and acknowledging the 2nd lien. - Due Diligence Vendor-09/26/2025 <br> Open-Missing documentation to support XXX approval of borrower assumption of existing XXX loan. - Due Diligence Vendor-09/18/2025 |  | Resolved-Received Assumption Consent Statement reflecting loan terms and acknowledging the 2nd lien. - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 33151039 | XXX | XXX D A C | Closed | FVAL9739 | 2025-09-22 12:20 | 2025-09-25 14:12 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised appraisal reflecting correct owner of public record. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Missing updated appraisal reflecting current owners of XXX. Appraisal currently shows XXX as the current owners. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received revised appraisal reflecting correct owner of public record. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Appraisal PDF_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE8611 | 2025-09-23 16:35 | 2025-09-26 10:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received previous VVOE's for complete 2 year history. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Counter-Lender commentary and W2 transcripts received, however insufficient to clear condition. Still missing Verification of Employment (VOE) for all prior jobs needed to establish a full two-year history, which is required to assess income stability. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. W2 transcripts are attached. Can we please use the transcripts to confirm two year work history<br> - Seller-09/25/2025 <br>Open-Borrower 1 lacks a complete two-year employment history, with only eight months at their current position. Verification of Employment (VOE) is missing for all prior jobs needed to establish a full two-year history, which is required to assess income stability. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. W2 transcripts are attached. Can we please use the transcripts to confirm two year work history<br> - Seller-09/25/2025<br>| Resolved-Received previous VVOE's for complete 2 year history. - Due Diligence Vendor-09/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | XXX_XXX W2.pdf<br> XXX_XXX W2.pdf<br> WVOE - Ioan.pdf<br> WVOE - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE1332 | 2025-09-22 16:50 | 2025-09-25 15:20 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Paystubs Less Than 1 Month Provided | Resolved-Received additional paystub. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Borrower 1 Paystubs Less Than 1 Month Provided Missing current paystubs reflecting 30 days earnings for Borrower 1. Lender only provided 2 weeks' worth of earnings. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received additional paystub. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | IOAN PAYSTUB XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE1335 | 2025-09-23 16:34 | 2025-09-25 15:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received W-2 transcripts for both borrowers. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-Received XXX/XXX W2 transcripts for Borrower 1. Still missing XXX/XXX W2 transcripts for Borrower 2. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-W-2 transcripts are missing for both borrowers covering all employment held within the past two years. These documents are required for each job to verify income history. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received W-2 transcripts for both borrowers. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | IOAN XXX TRANSCRIPTS.pdf<br> IOAN XXX TRANSCRIPTS.pdf<br> XXX XXX TRANSCRIPTS.pdf<br> XXX XXX TRANSCRIPTS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE1358 | 2025-09-23 16:26 | 2025-09-25 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received XXX/XXX W2's for co-borrower. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Counter-Received W2 transcripts. Still missing actual XXX & XXX W2's for Co-Borrower as required per guidelines. - Due Diligence Vendor-09/25/2025 <br> Ready for Review-Document Uploaded. - Seller-09/25/2025 <br> Open-Borrower 2 W2/1099 Missing Missing XXX & XXX W2's for Co-Borrower. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received XXX/XXX W2's for co-borrower. - Due Diligence Vendor-09/25/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | XXX XXX TRANSCRIPTS.pdf<br> XXX XXX TRANSCRIPTS.pdf<br> XXX_XXX W2.pdf<br> XXX_XXX W2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE3653 | 2025-09-23 16:23 | 2025-09-25 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Missing a cash out letter of explanation. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-09/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | XXX cash out lettet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38503531 | XXX | XXX D A | Closed | FCRE4963 | 2025-09-23 16:24 | 2025-09-24 13:50 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received XXX payoff statement. - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. - Seller-09/24/2025 <br> Open-Missing the payoff for XXX loan #XXX reflecting the amount of $XXX. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/24/2025<br>| Resolved-Received HUD payoff statement. - Due Diligence Vendor-09/24/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%. |  | HUD Payoff (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33474940 | XXX | XXX D A | Closed | FCRE1358 | 2025-10-28 20:46 | 2026-01-26 13:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Received Pension Award Letter. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. - Seller-10/31/2025 <br> Open-Borrower 2 W2/1099 Missing Missing award letter supporting borrower's monthly pension of $XXX. Subject to recalculation of income upon receipt. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/31/2025<br>| Resolved-Received Pension Award Letter. - Due Diligence Vendor-10/31/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX pension for B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 39380490 | XXX | XXX D A | Closed | FCOM8805 | 2025-10-10 13:46 | 2025-10-15 15:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. I am so sorry about that. Attached is the correct borrower. - Seller-10/15/2025 <br> Counter-Received borrower authorization for incorrect borrowers loan. Still missing documentation to support borrower's authorization to pull credit pulled on 07/24/2025. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. - Seller-10/15/2025 <br> Open-Credit report dated XXX pulled by XXX. Inc is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. I am so sorry about that. Attached is the correct borrower. - Seller-10/15/2025 <br>Ready for Review-Document Uploaded. - Seller-10/15/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-10/15/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | Auth.pdf<br>Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30732713 | XXX | XXX D A C | Closed | FCRE1676 | 2025-09-29 11:19 | 2025-09-30 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Lender commentary received - XXX payments unrelated to solar panels. No XXX on title or line of credit on credit report. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Payments to XXX in the amount of $XXX were for his paid off auto loan, tradeline #7 on credit. Payment withdrawals stopped after XXX because the car was paid off - Seller-09/29/2025 <br> Counter-Lender commentary received, however insufficient to clear as bank statements reflect reoccurring payment to XXX in the amount of $XXX Unable to determine if related to solar panels. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-we don't have a XXX filing on title and appraiser is stating the panels are owned. There is no loan on the borrowers credit report so we should not need this <br> - Seller-09/29/2025 <br> Open-Missing evidence the owned solar panels are free and clear. Subject to re-calculation of debt ratio upon receipt should owned solar panels are not free and clear. - Due Diligence Vendor-09/29/2025 | Ready for Review-Payments to XXX in the amount of $XXX were for his paid off auto loan, tradeline #7 on credit. Payment withdrawals stopped after XXX because the car was paid off - Seller-09/29/2025 <br> Ready for Review-we don't have a UCC filing on title and appraiser is stating the panels are owned. There is no loan on the borrowers credit report so we should not need this <br> - Seller-09/29/2025 | Resolved-Lender commentary received - XXX payments unrelated to solar panels. No UCC on title or line of credit on credit report. - Due Diligence Vendor-09/30/2025 | Credit Score greater than minimum FICO - XXX credit score is 34 points above the minimum FICO per guidelines of 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30732713 | XXX | XXX D A C | Closed | FCRE1316 | 2025-09-26 11:38 | 2025-09-30 09:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE within 10 days of the Note Date. - Due Diligence Vendor-09/30/2025 <br>Ready for Review-the date is on page 1 - 9/10/25 - Seller-09/29/2025 <br>Counter-Received online business verification, however unable to determine whether verified within 30 days of Note Date. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/26/2025 | Ready for Review-the date is on page 1 - 9/10/25 - Seller-09/29/2025 <br>Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received VVOE within 10 days of the Note Date. - Due Diligence Vendor-09/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | vvoe.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30732713 | XXX | XXX D A C | Closed | FVAL9739 | 2025-09-26 12:48 | 2025-09-29 15:46 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-09/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | agreement_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 30059752 | XXX | XXX D A | Closed | FCOM1221 | 2025-09-18 13:18 | 2025-09-23 10:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | mortgage XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30059752 | XXX | XXX D A | Closed | FCRE5782 | 2025-09-18 11:54 | 2025-09-23 10:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-09/23/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Credit Report refresh XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38050983 | XXX | XXX D A C | Closed | FCOM8807 | 2025-10-07 14:02 | 2025-10-13 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received XXX Delivery Certificate of Appraisal Report. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Received XXX Delivery Certificate of Appraisal Report. - Due Diligence Vendor-10/13/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX appraisal delivery.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38050983 | XXX | XXX D A C | Closed | FCRE6618 | 2025-10-09 15:51 | 2025-10-10 11:17 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised initial URLA reflecting completed section 8. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. - Seller-10/10/2025 <br> Open-Missing completion on the borrower (XXX) Section 8 Demographic Information is incomplete on the initial 1003/URLA. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/10/2025<br>| Resolved-Received revised initial URLA reflecting completed section 8. - Due Diligence Vendor-10/10/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | 1003 - URLA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35064807 | XXX | XXX D A C | Closed | FCRE4963 | 2025-10-08 14:16 | 2025-10-15 16:20 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received PCCD and COC for changes to Final CD. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Post-Consummation CD issued on XX with final figures was sent to borrower for their records. - Seller-10/14/2025 <br> Counter-Received final settlement statement reflecting updated payoff figures and collection of default taxes. Missing Acknowledgement from borrower payoff figures and cash to close changed. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Final settlement statement from title confirms payoff amount as well as delinquent taxes being paid. - Seller-10/10/2025 <br> Open-Missing the payoff reflecting $XXX for XXX, the payoff in file reflects $XXX which is a difference of $XXX difference. Also title reflects borrower is currently delinquent in the 2nd installment taxes in the amount of $XXX, missing documentation to support this has been current. - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Post-Consummation CD issued on XXX with final figures was sent to borrower for their records. - Seller-10/14/2025 <br> Ready for Review-Document Uploaded. Final settlement statement from title confirms payoff amount as well as delinquent taxes being paid. - Seller-10/10/2025 | Resolved-Received PCCD and COC for changes to Final CD. - Due Diligence Vendor-10/15/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX #XXX final closing statement.pdf<br> PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35064807 | XXX | XXX D A C | Closed | FCRE1148 | 2025-10-03 13:29 | 2025-10-13 12:26 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX. Need updated title supplement with coverage amount $XXX - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-10/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | PIL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35064807 | XXX | XXX D A C | Closed | FCOM8805 | 2025-10-03 15:36 | 2025-10-10 12:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. Credit authorization form dated 9/2. - Seller-10/10/2025 <br> Open-Credit report dated XXX pulled by XXX. is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Credit authorization form dated XXX. - Seller-10/10/2025 | Resolved-Received borrower authorization. - Due Diligence Vendor-10/10/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Credit Authorization Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33993735 | XXX | XXX D A | Closed | FCRE1168 | 2025-10-07 10:13 | 2025-10-16 16:33 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received email confirmation of Replacement Coverage. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. RCE EMAIL 100% DWELLING - Seller-10/16/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $XXX. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. RCE EMAIL 100% DWELLING - Seller-10/16/2025<br>| Resolved-Received email confirmation of Replacement Coverage. - Due Diligence Vendor-10/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | REO 100% replacement cost email.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33993735 | XXX | XXX D A | Closed | FCRE7497 | 2025-10-07 12:03 | 2025-10-16 13:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received lease extension for property located at XXX. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. LEASE EXTENTION - Seller-10/16/2025 <br> Open-Missing extension the rental lease agreement for non-subject property located at XXX. Lease extension provided expires XXX and is signed XXX. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. LEASE EXTENTION - Seller-10/16/2025<br>| Resolved-Received lease extension for property located at XXX. - Due Diligence Vendor-10/16/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | lease extension.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34384266 | XXX | XXX D A | Closed | FCRE3653 | 2025-11-03 13:57 | 2025-11-24 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower Cash Out Letter. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Try this one - Seller-11/21/2025 <br>Counter-Received cash out letter, however it is not signed by Borrower 2. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. cash out letter - Seller-11/20/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. Try this one - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. cash out letter - Seller-11/20/2025<br>| Resolved-Received borrower Cash Out Letter. - Due Diligence Vendor-11/24/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX LOX.pdf<br> XXX LOX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39058937 | XXX | XXX D A | Closed | FCRE1365 | 2025-11-03 15:00 | 2025-12-03 18:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. transcripts - Seller-12/03/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. Per Section 8.4.1 of guidelines, W-2 transcripts are required. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Per UW, transcripts are not required for non self employed borrowers. - Seller-11/20/2025 <br> Open-Borrower 2 IRS Transcripts Missing Missing w2 transcripts per lender guidelines. - Due Diligence Vendor-11/03/2025 | Ready for Review-Document Uploaded. transcripts - Seller-12/03/2025 <br>Ready for Review-Per UW, transcripts are not required for non self employed borrowers. - Seller-11/20/2025<br>| Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-12/03/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX XXX,XXX transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 39058937 | XXX | XXX D A | Closed | FCRE1157 | 2025-10-30 11:48 | 2025-12-03 18:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received corrected HOI policy. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Insurance with prior second lien removed - Seller-12/03/2025 <br> Counter-Received hazard insurance policy, however policy reflects 3 incorrect Mortgagees. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. HOI - Seller-11/20/2025 <br> Open-Missing Hazard Insurance Policy renewal as policy in file reflects policy will expire XXX. (policy also does not reflect a full 12 months) - Due Diligence Vendor-11/03/2025 | Ready for Review-Insurance with prior second lien removed - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. HOI - Seller-11/20/2025<br>| Resolved-Received corrected HOI policy. - Due Diligence Vendor-12/03/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX HOI.pdf<br> XXX HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34646221 | XXX | XXX D A | Closed | FCRE7497 | 2025-10-09 14:39 | 2025-10-16 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI policy and evidence of no HOA Dues for property located at XXX. - Due Diligence Vendor-10/16/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-Received evidence of no HOA Dues, however still missing evidence of HOI for the property located at XXX. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Property profile does not indicate there are HOA fees for property. - Seller-10/14/2025 <br> Open-Missing verification of insurance and or HOA for the non-subject property located at 'XXX'. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. Property profile does not indicate there are HOA fees for property. - Seller-10/14/2025<br>| Resolved-Received HOI policy and evidence of no HOA Dues for property located at XXX. - Due Diligence Vendor-10/16/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 65%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | REO Property Profile.pdf<br> hoi XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34646221 | XXX | XXX D A | Closed | FCRE1158 | 2025-10-09 14:52 | 2025-10-14 14:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI change endorsement reflecting the addition of the Mortgagee and Loan Number. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. A "change endorsement" is attached to the HOI with loan # and mortgagee clause being reflected on it. - Seller-10/14/2025 <br>Open-Hazard Insurance Policy Partially Provided Missing Hazard binder with lender loss mortgagee clause and loan number. - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. A "change endorsement" is attached to the HOI with loan # and mortgagee clause being reflected on it. - Seller-10/14/2025<br>| Resolved-Received HOI change endorsement reflecting the addition of the Mortgagee and Loan Number. - Due Diligence Vendor-10/14/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 65%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | HOI Endorsement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34646221 | XXX | XXX D A | Closed | FCOM1231 | 2025-10-09 12:15 | 2025-10-14 14:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received initial signed URLA. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. - Seller-10/14/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. - Seller-10/14/2025<br>| Resolved-Received initial signed URLA. - Due Diligence Vendor-10/14/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 65%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35954167 | XXX | XXX D A C | Closed | FCRE7347 | 2025-10-21 13:11 | 2025-10-23 15:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Lease Agreement for Unit #XX (Unit XXX.) - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. - Seller-10/23/2025 <br> Counter-Lender LOX received, however insufficient to clear condition. Market rents being used for Unit XXX, which is vacant per appraisal. Still missing lease agreement for Unit XXX as it is not vacant per appraisal. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-Missing Lease Agreement for Unit #XXX. Subject to Re-calculation of DSCR. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/23/2025 <br>Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received Lease Agreement for Unit #XXX (Unit XXX.) - Due Diligence Vendor-10/23/2025 | DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Condition #2--A vacant unit.pdf<br>Lease agreement.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35954167 | XXX | XXX D A C | Closed | FVAL9739 | 2025-10-21 13:08 | 2025-10-22 09:22 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. - Seller-10/22/2025 <br> Open-"Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser." - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/22/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-10/22/2025<br>| DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Condition#1 -- AIR compliance form.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32948566 | XXX | XXX D A | Closed | FCRE7878 | 2025-11-07 16:01 | 2025-11-19 11:40 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated 1008. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Final 1008 submitted does not reflect accurate Housing Ratio (XXX%), DTI (XXX%) & Qualifying Payment ($XXX). It appears the qualifying payment used by lender is the 2nd Lien Payment only and is causing the variance in the ratios. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received updated 1008. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | 1008 - Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32948566 | XXX | XXX D A | Closed | FCRE1158 | 2025-11-07 15:51 | 2025-11-11 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-Hazard Insurance Policy Partially Provided Missing Sufficient Hazard Insurance Policy. Documentation submitted is a Binder with an expiration date of XXX, prior to closing. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received HOI policy. - Due Diligence Vendor-11/11/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | hoi.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32948566 | XXX | XXX D A | Closed | FCOM1262 | 2025-11-04 12:44 | 2025-11-10 15:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Right to Cancel. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-Right of Rescission is Missing Notice of Right to Cancel is missing from the file. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received Right to Cancel. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Notice of Right to Cancel - Refinance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32948566 | XXX | XXX D A | Closed | FCOM1233 | 2025-11-04 11:49 | 2025-11-10 15:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received revised URLA reflecting complete Demographic information. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-Document Uploaded. - Seller-11/10/2025 <br>Open-The Final 1003 is Incomplete Demographic Information is incomplete. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received revised URLA reflecting complete Demographic information. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX URLA (1003_65) - All Pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 32948566 | XXX | XXX D A | Closed | FCOM8805 | 2025-11-04 13:40 | 2025-11-10 15:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. - Seller-11/10/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/10/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-11/10/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Borrower's Certification & Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39416815 | XXX | XXX D A | Closed | FCRE5782 | 2025-11-26 12:14 | 2025-12-05 16:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Lender LOX received. UDN is within 10 days of closing and does not reflect new inquiries or debt. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Counter-Received UDN report, however as of XXX, UDN was in the process of being Deactivated prior to closing. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note Date. Subject to recalculation of DTI. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Lender LOX received. UDN is within 10 days of closing and does not reflect new inquiries or debt. - Due Diligence Vendor-12/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX UDN Deactivation.pdf<br> XXX LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39416815 | XXX | XXX D A | Closed | FCOM8805 | 2025-11-26 12:22 | 2025-12-05 13:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Counter-Received borrower authorization, however credit reference # doesn't match credit file. Still missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/05/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Proof of Consent.pdf<br> XXX Credit Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39416815 | XXX | XXX D A | Closed | FCRE1329 | 2025-11-26 11:49 | 2025-12-03 16:58 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Received XXX W2. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided Missing XXX W2 per guidelines. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received XXX W2. - Due Diligence Vendor-12/03/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX W2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30400893 | XXX | XXX D A | Closed | FCRE1335 | 2025-10-29 08:56 | 2025-10-29 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received XXX/XXX W-2 transcripts. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Missing 2 years W2 transcripts per lender guidelines. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Received XXX/XXX W-2 transcripts. - Due Diligence Vendor-10/29/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Transcript.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30400893 | XXX | XXX D A | Closed | FCRE5782 | 2025-10-27 14:28 | 2025-10-29 11:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new inquiries or tradelines. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/29/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. - Seller-10/29/2025<br>| Resolved-Received gap credit report reflecting no new inquiries or tradelines. - Due Diligence Vendor-10/29/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX credit refresh.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30328728 | XXX | XXX D A | Closed | FCRE5782 | 2025-11-05 10:52 | 2025-11-07 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report - new account opened already included in DTI. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received UDN report - new account opened already included in DTI. - Due Diligence Vendor-11/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_XXX_ gap.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37783902 | XXX | XXX D A | Closed | FCOM8805 | 2025-11-05 10:07 | 2025-11-07 16:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-11/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX autho.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37783902 | XXX | XXX D A | Closed | FCOM1221 | 2025-11-05 11:39 | 2025-11-07 13:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-11/07/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30170590 | XXX | XXX C A | Closed | FVAL9739 | 2025-11-26 13:00 | 2025-12-03 14:37 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to lender. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/03/2025<br>|  |  | XXX Cert of Appr Ind..pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33425461 | XXX | XXX D A C | Closed | FCRE1254 | 2025-11-11 19:25 | 2025-11-13 09:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting Title item #11 will be removed on final title policy. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Property Title Issue Missing documentation to support title item #11 is fully satisfied (title company requires a signed and notarized Affidavit from XXX to support transfer deed recorded XXX). - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received title supplement reflecting Title item #11 will be removed on final title policy. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Condition #3.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33425461 | XXX | XXX D A C | Closed | FCRE3653 | 2025-11-11 19:23 | 2025-11-13 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-Missing copy of signed letter from borrower's for use of cash proceeds on subject DSCR transaction. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Condition #2.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33425461 | XXX | XXX D A C | Closed | FCOM1231 | 2025-11-06 12:38 | 2025-11-12 21:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial 1003. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received Initial 1003. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Condition #1.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33425461 | XXX | XXX D A C | Closed | FVAL9739 | 2025-11-07 11:54 | 2025-11-12 09:33 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received evidence of AIR Compliance. - Due Diligence Vendor-11/12/2025 <br> Ready for Review-Document Uploaded. - Seller-11/12/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX Inc reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-11/07/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received evidence of AIR Compliance. - Due Diligence Vendor-11/12/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Appraisal Order POD.PDF | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCOM1233 | 2025-11-24 14:10 | 2025-12-08 18:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received revised URLA reflecting Citizenship for both borrowers. - Due Diligence Vendor-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-The Final 1003 is Incomplete Both borrower's citizenship is not provided.<br> - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received revised URLA reflecting Citizenship for both borrowers. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX 2nd Final 1003 pg1 & 7.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE1316 | 2025-11-26 12:33 | 2025-12-04 13:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Lender commentary received. VVOE is dated XXX, which is outside of the 10-day requirement. However, borrower has been employed at same company since XXX and VVOE evidenced still employed after the loan closed on XXX. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-The VOE is post closing and if anything it shows that the borrower is still employed. There is no reason for this to be unacceptable. - Seller-12/03/2025 <br> Counter-Received duplicate VVOE previously provided which is insufficient to clear condition. VVOE is dated XXX which exceeds 10 days from the Note Date of XXX and does not meet guidelines. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Counter-Received VVOE, however it is dated outside of 10 days of the Note Date. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of Note Date. - Due Diligence Vendor-11/26/2025 | Ready for Review-The VOE is post closing and if anything it shows that the borrower is still employed. There is no reason for this to be unacceptable. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Lender commentary received. VVOE is dated XXX, which is outside of the 10-day requirement. However, borrower has been employed at same company since XXX and VVOE evidenced still employed after the loan closed on XXX. - Due Diligence Vendor-12/04/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX VOE XXX.pdf<br> XXX VOE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE1440 | 2025-11-26 12:31 | 2025-12-02 13:46 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received updated credit reflecting 1st Mortgage XXX xxXXX & 2nd Mortgage XXX xxXXX were current per guidelines. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Received gap credit report, however report does not reflect last payment made. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. See attached GAP report for current mortgage postings - Seller-11/26/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing Credit Supplement/ supporting documentation to reflect 1st Mortgage XXX xxXXX & 2nd Mortgage XXX xxXXX were current per guidelines. Credit report submitted reflects last payment date XXX. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. See attached GAP report for current mortgage postings - Seller-11/26/2025<br>| Resolved-Received updated credit reflecting 1st Mortgage XXX xxXXX & 2nd Mortgage XXX xxXXX were current per guidelines. - Due Diligence Vendor-12/02/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX GAP.pdf<br> XXX SoftCredit XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCOM4765 | 2025-11-24 15:58 | 2025-12-02 09:06 | Resolved | 1 - Information C A | Compliance | TRID | CD: Liability After Foreclosure Not Complete | Resolved-Received Revised Post Consummation Closing Disclosure that reflects complete Liability after Foreclosure. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Counter-Received Explanation Letter to Borrower regarding Liability after Foreclosure, however, the Letter reflects a Revised Post-Closing Disclosure should be attached, and there is no PCCD attached to Letter. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-CD: Liability After Foreclosure Not Complete On the Final Closing Disclosure issued XXX and the Post Consummation Closing Disclosure Issued XXX under Liability after Foreclosure section on Page 5, neither of the options are marked. Need Post Consummation Closing Disclosure reflecting at least one of the options marked with explanation letter to borrower and proof of method of delivery to borrower. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Revised Post Consummation Closing Disclosure that reflects complete Liability after Foreclosure. - Due Diligence Vendor-12/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX 2nd Post Closing CD Revised.Letter.pdf<br> XXX XXX 2nd Post Closing CD Revised.Letter.pdf<br> XXX Closing Disclosure (Alternate) - Post Closing.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE1676 | 2025-11-26 12:42 | 2025-11-26 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received supporting documentation for solar panels. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Missing all supporting documentation for Solar Power with XXX. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received supporting documentation for solar panels. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Solar.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE7879 | 2025-11-26 12:41 | 2025-11-26 15:28 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Qualifying LTV Variance | Resolved-Received revised 1008 reflecting correct CLTV. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-It appears the CLTV is not reflected accurately on the Final 1008 submitted. It shows the CLTV for a piggyback 2nd is XXX%. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received revised 1008 reflecting correct CLTV. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX 2nd 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE1168 | 2025-11-24 15:32 | 2025-11-26 15:26 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $ Missing evidence of sufficient Hazard Insurance Coverage. Replacement Cost Estimator was not submitted with file nor evidence of increased coverage. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX RCE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE1158 | 2025-11-26 12:29 | 2025-11-26 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI policy reflecting correct Mortgagees. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Hazard Insurance Policy Partially Provided Missing Hazard Insurance Policy reflecting 2nd Lien Mortgagee and loan information. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received HOI policy reflecting correct Mortgagees. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX EOI 1st & 2nd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCOM8805 | 2025-11-24 15:48 | 2025-11-26 15:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Authorization2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE6546 | 2025-11-26 12:40 | 2025-11-26 15:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received Closing Disclosure for new 1st lien. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Missing supporting documentation for new 1stLien with XXX including Closing Disclosure to reflect terms, conditions. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Closing Disclosure for new 1st lien. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX 1st CD.pdf<br> XXX 1st CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE5783 | 2025-11-24 14:31 | 2025-11-26 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note Date. Subject to recalculation of DTI. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCRE5782 | 2025-11-24 14:31 | 2025-11-26 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note Date. Subject to recalculation of DTI. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received gap credit report reflecting no new debts or inquiries. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCOM8807 | 2025-11-24 15:12 | 2025-11-26 15:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXXCert-XXX-XXX.pdf<br> XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39918012 | XXX | XXX D A | Closed | FCOM1221 | 2025-11-24 15:13 | 2025-11-26 15:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-11/26/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Recorded DOT 2nd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31227425 | XXX | XXX D A | Closed | 50001258-Fees-Limited | 2025-12-01 15:34 | 2025-12-05 12:52 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Lender Credit of $XXX towards Commitment Fee applied to the difference. - Due Diligence Vendor-12/05/2025 <br> Counter- - Due Diligence Vendor-12/05/2025 <br> Open- - Due Diligence Vendor-12/05/2025 <br> Counter-The difference is $XXX. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-please detail the exact amount of cure you are requesting <br> - Seller-12/05/2025 <br> Open-On the Final Closing Disclosure in file Issued XXX the "Recording Fees" increased without a valid Change of Circumstance, resulting in the following Fail: The total amount of the 10% category fees ($XXX) has increased by more than 10% over the current baseline value of ($XXX). The total amount of fees in the 10% category cannot exceed ($XXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-please detail the exact amount of cure you are requesting <br> - Seller-12/05/2025<br>| Resolved-Lender Credit of $XXX towards Commitment Fee applied to the difference. - Due Diligence Vendor-12/05/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31227425 | XXX | XXX D A | Closed | 50001251-Fees-Limited | 2025-12-01 15:34 | 2025-12-05 12:50 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Revised Closing Disclosure Issued XXX with Notice of Change Circumstances Reasons Closing Disclosure that reflects Rate Lock Extended. - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Resolved- - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-On the Final Closing Disclosure in file Issued XXX the "Points" increased without a valid Change of Circumstance, resulting in the following Fail: The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-12/02/2025 <br> Open- - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Revised Closing Disclosure Issued XXX with Notice of Change Circumstances Reasons Closing Disclosure that reflects Rate Lock Extended. - Due Diligence Vendor-12/05/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | COC XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31227425 | XXX | XXX D A | Closed | FCOM1477 | 2025-12-02 13:32 | 2025-12-05 12:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects Rate Lock. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, the earliest form of rate lock confirmation reflects the rate was locked XXX. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects Rate Lock. - Due Diligence Vendor-12/05/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX le.pdf<br> XXX le.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39805254 | XXX | XXX D A | Closed | FCOM1477 | 2025-12-02 15:53 | 2025-12-09 11:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects loan rate was locked. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-What rate lock confirmation- the LE is the confirmation. there are only 2 LE's the initial and the LOCK LE what are you asking me for? - Seller-12/08/2025 <br> Counter-The Revised Loan Estimate in file Issued XXX reflects the Rate as Locked, however, the Lock Confirmation provided in file reflects a Lock Date of XXX (After the date the Loan Estimate was Issued). Need Rate Lock Confirmation that reflects the Date the Rate was locked as the Loan Estimate only reflects a Date the Loan Estimate was Issued and a Lock Expiration Date, but not specifically the Date the Rate was locked. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Ready for Review-SINCE XXX doesn't charge a lock fee- the only document we required to obtain is the rate lock LE- this shows all required details. The date it was locked, the date the lock expires and the rate amount. I'm unclear as to what more you need on this file. - Seller-12/08/2025 <br> Open-Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, the earliest form of rate lock confirmation reflects the rate was locked XXX. - Due Diligence Vendor-12/02/2025 | Ready for Review-What rate lock confirmation- the LE is the confirmation. there are only 2 LE's the initial and the LOCK LE <br> what are you asking me for? - Seller-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Ready for Review-SINCE XXX doesn't charge a lock fee- the only document we required to obtain is the rate lock LE- this shows all required details. The date it was locked, the date the lock expires and the rate amount. I'm unclear as to what more you need on this file. - Seller-12/08/2025 | Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects loan rate was locked. - Due Diligence Vendor-12/09/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Loan Estimate (Alternate).pdf<br> XXX COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39805254 | XXX | XXX D A | Closed | FCOM1257 | 2025-12-02 15:51 | 2025-12-05 12:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure Dated XXX that reflects increase in Appraisal Fee. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Missing Change of Circumstance for increase in Appraisal Fee on Revised Closing Disclosure Issued XXX. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure Dated XXX that reflects increase in Appraisal Fee. - Due Diligence Vendor-12/05/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36884314 | XXX | XXX D A C | Closed | 50001261-Fees-Limited | 2025-11-21 13:01 | 2025-12-12 09:50 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Post Consummation Closing Disclosure Issued XXX with Explanation Letter to Borrower and proof of Reimbursement. - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Counter- On the Final Closing Disclosure Issued XXX the "Lender Credits" decreased without a valid Change of Circumstance, need Change of Circumstance. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-The closing cost on the initial CD was XXX, the closing cost on the final CD came in lower (XXX) section c to be specific causing the decrease in lender credit. - Seller-11/26/2025 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXX). The actual total fee amount shows a credit amount of ($XXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). On the Final Closing Disclosure Issued XXX the "Lender Credits" decreased without a valid Change of Circumstance, resulting in the following Fail: The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XXX). The actual total fee amount shows a credit amount of ($XXX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Ready for Review-The closing cost on the initial CD was XXX, the closing cost on the final CD came in lower (XXX) section c to be specific causing the decrease in lender credit. - Seller-11/26/2025 | Resolved-Received Post Consummation Closing Disclosure Issued XXX with Explanation Letter to Borrower and proof of Reimbursement. - Due Diligence Vendor-12/12/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Lender Credit LOE.pdf<br>Conditions.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36884314 | XXX | XXX D A C | Closed | FCRE2052 | 2025-11-26 09:35 | 2025-12-02 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Tax Cert | Resolved-Received tax receipts reflecting taxes of $XXX. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. please see the attached tax bills that matches the amount paid. XXX+XXX=XXX - Seller-12/02/2025 <br> Counter-Lender commentary received, however insufficient to clear condition as figures on tax cert do not match to $XXX collected on Final CD. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. The tax cert in the file is correct with the tax amount of XXX as this is the tax amount without exemptions. The tax amount paid for XXX on the final CD in section F was the amount due after exemptions have been applied. - Seller-11/26/2025 <br> Open-Missing tax cert reflecting the amount of $XXX as reflected on the CD. There is a tax bill in file that reflects a much higher amount. (XXX) - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. please see the attached tax bills that matches the amount paid. XXX+XXX=XXX - Seller-12/02/2025 <br> Ready for Review-Document Uploaded. The tax cert in the file is correct with the tax amount of XXX as this is the tax amount without exemptions. The tax amount paid for XXX on the final CD in section F was the amount due after exemptions have been applied. - Seller-11/26/2025 | Resolved-Received tax receipts reflecting taxes of $XXX. - Due Diligence Vendor-12/02/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX tax cert.pdf<br> Tax Receipt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36884314 | XXX | XXX D A C | Closed | FVAL9739 | 2025-11-21 15:01 | 2025-12-02 12:00 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Received appraisers AIR Certificate which is insufficient. Missing documentation of Lender's internal AIR Compliance process as appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see page 42 of the appraisal which was included in the closing package that was uploaded. - Seller-11/26/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. Please see page 42 of the appraisal which was included in the closing package that was uploaded. - Seller-11/26/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/02/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Appraisal Report.pdf<br>AIR LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36884314 | XXX | XXX D A C | Closed | FCRE7878 | 2025-11-21 14:31 | 2025-12-01 12:41 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting correct DTI. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-12/01/2025 <br> Open-Audited DTI is XXX% however lenders DTI is XXX% this is due to lender not factoring taxes and HOI as the mortgage statement with XXX reflects loan is not escrowed. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-Received revised 1008 reflecting correct DTI. - Due Diligence Vendor-12/01/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | 1008 Transmittal Summary.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36884314 | XXX | XXX D A C | Closed | FCRE3653 | 2025-11-26 09:33 | 2025-11-26 13:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received Net Tangible Benefit Worksheet reflecting reason for Cash Out. - Due Diligence Vendor-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Net Tangible Benefit Worksheet reflecting reason for Cash Out. - Due Diligence Vendor-11/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | LOE for cash out.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FVAL9739 | 2025-11-18 13:23 | 2025-12-01 11:30 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Received duplicate documentation previously provided which is insufficient to clear condition. Still missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. Missing evidence of an appraisal department placing the appraisal order or Lender Certification reflecting AIR requirements have been met. - Due Diligence Vendor-11/25/2025 <br> Ready for Review-Document Uploaded. - Seller-11/25/2025 <br> Counter-Received appraisal, however missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. Missing evidence of an appraisal department placing the appraisal order or Lender Certification reflecting AIR requirements have been met. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Appraisal.pdf<br> UCDPs.pdf<br> UCDPs.pdf<br> Appraisal.pdf<br> XXX_Appraisal Assignment and Certification XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCRE1365 | 2025-11-18 13:19 | 2025-11-26 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Received 4506C, however missing XXX & XXX W2 transcripts for Borrower 2 per Section 8.4.1 of guidelines. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Borrower 2 IRS Transcripts Missing Missing XXX & XXX W2 transcripts for Co Borrower. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-11/26/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Tax transcript.pdf<br> XXX_transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCRE1335 | 2025-11-18 13:19 | 2025-11-26 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Counter-Received 4506C, however missing XXX & XXX W2 transcripts for Borrower per Section 8.4.1 of guidelines. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Borrower 1 IRS Transcripts Missing Missing XXX & XXX W2 transcripts for Borrower. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-11/26/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Tax transcript.pdf<br> XXX_transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCRE9814 | 2025-11-18 13:24 | 2025-11-21 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received final title policy reflecting no exceptions to the trust. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Counter-Received duplicate Trust Agreement/Certification already included in loan file. Still missing evidence, the Trust docs/Trust Cert has been reviewed and approved by Title company per guidelines. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing evidence the Trust docs/Trust Cert has been reviewed and approved by Title company. Title must not contain any title exceptions and offer full title protection without exception to the trust. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received final title policy reflecting no exceptions to the trust. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Trust Agreement.pdf<br> XXX_Lender Policy.pdf<br> XXX_Lender Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCRE1148 | 2025-11-14 10:55 | 2025-11-21 15:59 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Received title commitment already included in loan file which is insufficient as the title coverage amount is missing. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX title coverage amounts not provided on title report, missing title supplement report. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received final title policy reflecting sufficient title coverage. - Due Diligence Vendor-11/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Title.pdf<br> XXX_Lender Policy.pdf<br> XXX_Lender Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCRE3653 | 2025-11-18 13:23 | 2025-11-20 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-11/20/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 38661280 | XXX | XXX D A C | Closed | FCOM1221 | 2025-11-14 14:06 | 2025-11-19 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS EXHIBIT A" on Page 3, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received Deed of Trust inclusive of Exhibit A Legal Description. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Deed of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33171884 | XXX | XXX D A | Closed | FCRE5782 | 2025-12-02 16:50 | 2025-12-08 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Report for both borrowers. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX\% less than maximum CLTV per guidelines 90% |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FCRE6618 | 2025-11-25 22:15 | 2025-12-10 17:15 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received documentation supporting new concurrent primary purchase. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. Corrected 1003 reflecting XXX was not being used as primary but will be used as one, property was in the process of closing. Attached corrected 1003 and CD for XXX as evidenced loan was a purchase. - Seller-12/10/2025 <br> Counter-Received Borrower LOX regarding intended Occupancy, however it is not signed. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. LOE provided by borrower indicates XXX will be used as primary and 1003 also indicates current subject property will change from Primary to Investment. - Seller-12/01/2025 <br> Open-Provided 1003/URLA reflect the subject property as an investment property and the borrower's current primary. Missing a final 1003/URLA reflecting the subject property correct occupancy. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Corrected 1003 reflecting XX was not being used as primary but will be used as one, property was in the process of closing. Attached corrected 1003 and CD for XXX as evidenced loan was a purchase. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. LOE provided by borrower indicates XXX will be used as primary and 1003 also indicates current subject property will change from Primary to Investment. - Seller-12/01/2025 | Resolved-Received documentation supporting new concurrent primary purchase. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX.pdf<br> CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FVAL9739 | 2025-11-25 22:08 | 2025-12-10 17:14 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received documentation supporting new concurrent primary purchase. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. At the time loan was being processed XXX was the primary residence hence why the appraisal reflects as such, XXX which will be occupy as primary was in the processed of closing as evidenced in the CD provided for said property. - Seller-12/10/2025 <br> Counter-Received Borrower LOX regarding intended Occupancy, however it is not signed. - Due Diligence Vendor-12/02/2025 <br> Ready for Review-Document Uploaded. Borrower's primary residence is changing. - Seller-12/01/2025 <br> Open-The provided Appraisal reflect subject as owner occupied conflicts with loan transaction for a refinance of an investment property. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. At the time loan was being processed XXX was the primary residence hence why the appraisal reflects as such, XXX which will be occupy as primary was in the processed of closing as evidenced in the CD provided for said property. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. Borrower's primary residence is changing. - Seller-12/01/2025 | Resolved-Received documentation supporting new concurrent primary purchase. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FCRE7871 | 2025-11-21 14:40 | 2025-12-10 12:40 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Loan Amount Variance | Resolved-Received updated 1008. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. 1008 updated to reflect primary housing payment on DTI. - Seller-12/10/2025 <br>Counter-Received 1008 reflecting correct Loan Amount and LTV, however DTI is incorrect. It does not appear the Primary housing payment is being included in the DTI. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-12/01/2025 <br>Open-Missing a final 1008 reflecting correct loan amount, LTV and DTI. - Due Diligence Vendor-11/21/2025 | Ready for Review-Document Uploaded. 1008 updated to reflect primary housing payment on DTI. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Attached. - Seller-12/01/2025<br>| Resolved-Received updated 1008. - Due Diligence Vendor-12/10/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Updated 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FCRE7497 | 2025-11-24 09:48 | 2025-12-08 16:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation for PITIA for non-subject property located at XXX. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Missing PITIA for non-subject property located at XXX. Subject to additional conditions upon receipt and recalculation of DTI. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received supporting documentation for PITIA for non-subject property located at XXX. - Due Diligence Vendor-12/08/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FCRE1480 | 2025-11-24 09:39 | 2025-12-08 16:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Received documentation to support transfer of assets. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Missing asset documentation from XXX acct #XXX to support sufficient assets for reserves and closing cost as listed on the final 1003/URLA (XXX). - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received documentation to support transfer of assets. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Assets XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33483546 | XXX | XXX D A C | Closed | FCRE1482 | 2025-11-24 09:39 | 2025-12-08 16:22 | Resolved | 1 - Information C A | Credit | Assets | Asset 4 Does Not Meet Guideline Requirements | Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025 <br> Resolved-Received Guideline #E9VW to support sufficient assets for reserves and closing costs. - Due Diligence Vendor-12/08/2025 <br> Ready for Review- - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Open-Asset 4 Does Not Meet Guideline Requirements Missing asset documentation from retirement account with Guideline #XXX to support sufficient assets for reserves and closing cost as listed on the final 1003/URLA ($XXX). - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-12/08/2025 <br>Resolved-Received Guideline #E9VW to support sufficient assets for reserves and closing costs. - Due Diligence Vendor-12/08/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | E9VW Statements XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37468208 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-02 13:34 | 2025-12-05 13:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/05/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680.<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 0 months. |  | Borrower's Certification & Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 34878664 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-19 14:52 | 2025-12-26 15:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrowers authorization. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received borrowers authorization. - Due Diligence Vendor-12/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | XXX BA.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-12 15:30 | 2026-01-05 18:45 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Documentation sufficient to resolve condition. Lenders, income worksheet provided confirms the excluded Rental deposits. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Refer to UW notes on income worksheet. - Seller-01/05/2026 <br> Counter- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Received lender explanation however, insufficient to clear. The 1008 reflects B1 income of $XXX plus other income-rental of $XXX totaling $XXX. Final URLA reflects self-employment earnings of $XXX and calculated net REO losses of $XXX. Per income worksheet and URLA borrower is self-employed landlord. Guidelines do not permit use of bank statements for self-employment and rental earnings and require rental in come to be deducted from the income calculation. Lender's income calculation worksheet does not show exclusion of any rental earnings - all deposits were used for 'landlord' income and appears to be double allowing the rental income. Unable to determine final qualifying income from self-employment. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025 <br> Open-Rental income from all properties is included in bank statement deposits and additional rental income cannot be used to qualify. Missing updated 1008 reflecting updated DTI. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Refer to UW notes on income worksheet. - Seller-01/05/2026 <br>Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025<br>| Resolved-Documentation sufficient to resolve condition. Lenders, income worksheet provided confirms the excluded Rental deposits. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Income Worksheet.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FCRE5116 | 2025-12-11 21:59 | 2026-01-05 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation provided is sufficient to resolve the condition. - Due Diligence Vendor-01/05/2026 <br> Counter-Duplicate documentation was submitted. Provided rent increase letter for the borrowers indicates that rent was raised from $XXX to $XXX effective XXX. However, the rental payment records provided for the period XXX–XXX show payments of $XXX, not $XXX or $XXX. Additional documentation is required to justify the lower $XXX payments and to clarify whether the rent increase was rescinded. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX to XXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for primary housing to support rental payments of $XXX. Provided checks reflect payments of $XXX and lease agreement provided reflect rent of $XXX. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX to XXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 | Resolved-Documentation provided is sufficient to resolve the condition. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Verification of Rent XXX Multiple accounts.pdf<br> Lease XXX XXX XXX-XXX Extension.pdf<br> Lease-ADU - XXX XXX XXX.pdf<br> Original Lease - XXX XXX.pdf<br> XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FCRE1252 | 2025-12-11 18:21 | 2025-12-22 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received final title policy reflecting subject address and sufficient title coverage. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Title Document is Incomplete Missing an updated title policy or title supplement reflecting the subject address and title policy coverage. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received final title policy reflecting subject address and sufficient title coverage. - Due Diligence Vendor-12/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FCRE7497 | 2025-12-11 22:04 | 2025-12-22 12:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-Missing final closing disclosure for the refinance of the non-subject properties located at XXX and XXX. Subject to additional conditions upon receipt. Subject to re-calculation of rental income upon receipt. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX.pdf<br> CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FCOM1221 | 2025-12-10 11:43 | 2025-12-22 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | DOT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36136885 | XXX | XXX D A | Closed | FSER1203 | 2025-12-10 11:04 | 2025-12-21 09:21 | Resolved | 1 - Information A | Servicing | Additional Information | Final Closing Disclosure is missing | Resolved-Received executed Final Closing Disclosure. - Due Diligence Vendor-12/21/2025 <br>Ready for Review-Document Uploaded. - Seller-12/20/2025 <br>Open-Final Closing Disclosure is not wet signed - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received executed Final Closing Disclosure. - Due Diligence Vendor-12/21/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX .pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34324226 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-12 14:28 | 2026-01-05 18:48 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Documentation sufficient to resolve condition. Lenders, income worksheet provided confirms the excluded Rental deposits. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Per UW rental earnings were excluded and not being counted doubled or used. Refer to notes on worksheet by UW. - Seller-01/05/2026 <br> Counter-Received lender explanation however, insufficient to clear. The 1008 reflects B1 income of $XXX plus other income-rental of $XXX totaling $XXX. Final URLA reflects self-employment earnings of $XXX and calculated net REO losses of $XXX. Per income worksheet and URLA borrower is self-employed landlord. Guidelines do not permit use of bank statements for self-employment and rental earnings and require rental in come to be deducted from the income calculation. Lender's income calculation worksheet does not show exclusion of any rental earnings - all deposits were used for 'landlord' income and appears to be double allowing the rental income. Unable to determine final qualifying income from self-employment. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025 <br> Open-Rental income from all properties is included in bank statement deposits and additional rental income cannot be used to qualify. Missing updated 1008 reflecting updated DTI. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Per UW rental earnings were excluded and not being counted doubled or used. Refer to notes on worksheet by UW. - Seller-01/05/2026 <br>Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025<br>| Resolved-Documentation sufficient to resolve condition. Lenders, income worksheet provided confirms the excluded Rental deposits. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Income Worksheet.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 34324226 | XXX | XXX D A | Closed | FCRE5116 | 2025-12-11 21:44 | 2026-01-05 18:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX to XXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Counter- - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Duplicate documentation was submitted. Provided rent increase letter for the borrowers indicates that rent was raised from $XXX to $XXX effective XXX. However, the rental payment records provided for the period XXX–XXX show payments of $XXX, not $XXX or $XXX. Additional documentation is required to justify the lower $XXX payments and to clarify whether the rent increase was rescinded. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for primary housing to support rental payments of $XXX Provided checks reflect payments of $XXX and lease agreement provided reflect rent of $XXX. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX to XXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 | Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Verification of Rent XXX Multiple accounts.pdf<br> XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 34324226 | XXX | XXX D A | Closed | FCRE7497 | 2025-12-11 21:12 | 2025-12-22 12:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-Missing final closing disclosure for the refinance of the non-subject properties located at XXX and XXX. Subject to additional conditions upon receipt. Subject to re-calculations of rental income - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | CD XXX.pdf<br> CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 34324226 | XXX | XXX D A | Closed | FCRE1252 | 2025-12-11 17:13 | 2025-12-22 11:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received final title policy reflecting property address and sufficient title coverage. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Title Document is Incomplete Missing an updated title policy or title supplement reflecting the subject address and title policy coverage. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received final title policy reflecting property address and sufficient title coverage. - Due Diligence Vendor-12/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 34324226 | XXX | XXX D A | Closed | FCOM1221 | 2025-12-05 14:30 | 2025-12-22 11:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Deed of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 33262069 | XXX | XXX D A | Closed | FCRE1316 | 2025-12-17 16:07 | 2026-01-26 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Borrower 1 VOE within 10 days of closing. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received Borrower 1 VOE within 10 days of closing. - Due Diligence Vendor-12/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33262069 | XXX | XXX D A | Closed | FCRE1347 | 2025-12-17 16:07 | 2026-01-26 13:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VOE for Borrower 2 within 10 days of closing. - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received VOE for Borrower 2 within 10 days of closing. - Due Diligence Vendor-12/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33262069 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-17 17:07 | 2025-12-29 18:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Credit Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33262069 | XXX | XXX D A | Closed | FCRE1158 | 2025-12-17 17:03 | 2025-12-22 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received updated HOI policy reflecting corrected Mortgagees. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Hazard Insurance Policy Partially Provided According to the note, the lender is listed as 'XXX,' but the HOI policy shows the mortgagee clause as 'XXX. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received updated HOI policy reflecting corrected Mortgagees. - Due Diligence Vendor-12/22/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Hazard Insurance Declaration both mortgagees.pdf<br> XXX VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33262069 | XXX | XXX D A | Closed | FCOM6789 | 2025-12-22 12:06 | 2025-12-22 16:03 | Resolved | 1 - Information C A | Compliance | Disclosure | TX 50a6 Notice Concerning Extension of Credit Missing | Resolved-Received Notice Concerning Extensions of Credit signed XXX. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-Missing fully executed copy of the Notice of Extension of Credit. Must be dated 12 days prior to loan closing date. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received Notice Concerning Extensions of Credit signed XXX - Due Diligence Vendor-12/22/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Executed Notice of extension of credit.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36755665 | XXX | XXX C A | Closed | FCRE1166 | 2025-12-03 12:53 | 2025-12-09 10:50 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting sufficient HOI policy coverage. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $XXX. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Received RCE reflecting sufficient HOI policy coverage. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | EOI&RCE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 36755665 | XXX | XXX C A | Closed | FCRE6618 | 2025-12-05 14:32 | 2025-12-09 10:49 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised final URLA reflecting updated REO section. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Per fraud report the borrowers own additional REO. Missing updated 1003/URLA reflecting XXX in the REO section. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Received revised final URLA reflecting updated REO section. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | FINAL 1003.PDF | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 36755665 | XXX | XXX C A | Closed | FVAL9739 | 2025-12-05 14:05 | 2025-12-09 10:47 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-12/09/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Appraisal order POD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 34615222 | XXX | XXX D A | Closed | FCRE1168 | 2025-12-17 17:35 | 2025-12-22 14:27 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received HOI and RCE reflecting sufficient coverage. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. borrower got insurance conditions for us. New dec page and RCE attached for review. - Seller-12/22/2025 <br> Counter-Received HOI coverage breakdown, however coverage of $XXX is insufficient as Total required coverage is $XXX. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. borrower got insurance conditions for us. New dec page and RCE attached for review. - Seller-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received HOI and RCE reflecting sufficient coverage. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Insurance highlight.pdf<br> XXX New dec.pdf<br> XXX Valuation report.pdf<br> XXX_1008 form.pdf<br> XXX_loanapp.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34615222 | XXX | XXX D A | Closed | FCRE1157 | 2025-12-05 15:12 | 2025-12-22 14:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/22/2025 <br>Resolved-Received Hazard Insurance Policy. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/22/2025 <br>Resolved-Received Hazard Insurance Policy. - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | InsuranceDec-Revised (Subject).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34615222 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-08 12:39 | 2025-12-15 15:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | BA - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34615222 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-08 12:41 | 2025-12-15 13:22 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Open-Calculated DTI is XXX% 1008 reflected DTI XXX% required updated 1008. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_1008 form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34615222 | XXX | XXX D A | Closed | FCOM1003 | 2025-12-08 12:37 | 2025-12-15 12:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Supplemental Report reflects Vesting to confirm Vesting on Deed of Trust document in file. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Grant deed is not needed. Title supplement and loan doc shows vesting as unmarried man. - Seller-12/15/2025 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Grant deed is not needed. Title supplement and loan doc shows vesting as unmarried man. - Seller-12/15/2025<br>| Resolved-Supplemental Report reflects Vesting to confirm Vesting on Deed of Trust document in file. - Due Diligence Vendor-12/15/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Title supp - vesting.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35936031 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-17 15:53 | 2025-12-23 10:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Approval for Credit ZIP app.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36185991 | XXX | XXX D A | Closed | FCRE1676 | 2025-12-19 10:43 | 2025-12-22 14:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received executed HELOC close out letter for XXX account. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Counter-Lender commentary received, however insufficient to clear condition. File must include the executed authorization to close line of credit for the XXX HELOC. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Please see attached title commitment that required the line of credit to be closed and released. (schedule B #11) - Seller-12/19/2025 <br> Open-Missing the executed authorization to close line of credit for the XXX HELOC that was just paid off. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Ready for Review-Please see attached title commitment that required the line of credit to be closed and released. (schedule B #11) - Seller-12/19/2025<br>| Resolved-Received executed HELOC close out letter for XXX account. - Due Diligence Vendor-12/22/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX_Closing_Letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36185991 | XXX | XXX D A | Closed | FSER0009 | 2025-12-19 10:46 | 2025-12-19 16:34 | Resolved | 1 - Information A | Servicing | Pay History | Prior Modification Activity within the Last 5 Years | Resolved-Received modification agreement reflecting the rate was modified. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Open-Missing the modification agreement for XXX senior lien as listed on the title report recorded on XXX. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025<br>| Resolved-Received modification agreement reflecting the rate was modified. - Due Diligence Vendor-12/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | MOD - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 33672311 | XXX | XXX C A | Closed | FVAL9739 | 2025-09-16 12:43 | 2025-09-18 17:32 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Lender commentary received - XXX is correspondent broker. Their alternative name is XXX. - Due Diligence Vendor-09/18/2025 <br> Ready for Review-Document Uploaded. XXX is our correspondent broker. Their alternative name is XXX. Please see attached NMLS - Seller-09/18/2025 <br> Open-Missing appraisal transfer letter from XXX to XXX. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. XXX is our correspondent broker. Their alternative name is XXX. Please see attached NMLS - Seller-09/18/2025 | Resolved-Lender commentary received - XXX is correspondent broker. Their alternative name is XXX. - Due Diligence Vendor-09/18/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 45%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | NMLS BROKER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30551539 | XXX | XXX D A C | Closed | FCRE1148 | 2025-11-06 10:30 | 2025-11-19 10:05 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing Title Supplemental Report reflecting Loan Amount Coverage and Mortgagee. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-11/19/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30551539 | XXX | XXX D A C | Closed | FCOM8807 | 2025-11-06 11:29 | 2025-11-12 21:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. - Seller-11/12/2025 <br>Open- - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. - Seller-11/12/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/13/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36464776 | XXX | XXX D A | Closed | FCOM8807 | 2025-10-22 14:04 | 2025-10-27 23:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Seller-10/27/2025 <br>Open-Missing Appraisal Acknowledgement - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-10/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30741975 | XXX | XXX C A | Closed | FCRE6618 | 2025-09-25 20:53 | 2025-09-26 13:26 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received revised Final URLA reflecting completed Section 8. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open-Section 8 – Demographic Information on the 1003/URLA is incomplete; the borrower's race has not been provided. A fully completed Uniform Residential Loan Application (URLA), including Section 8, is missing. - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received revised Final URLA reflecting completed Section 8. - Due Diligence Vendor-09/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30289820 | XXX | XXX D A | Closed | FCRE7347 | 2025-11-12 20:56 | 2025-11-19 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received Solar Statement - debt already included in DTI. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Open-Missing financing agreement for solar panel system, per appraisal system is under financing contract. Subject to recalculation of DTI. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-Received Solar Statement - debt already included in DTI. - Due Diligence Vendor-11/19/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%. percent below the maximum DTI per guidelines of 50% |  | SOLAR STATEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39556940 | XXX | XXX D A | Closed | FCRE5116 | 2025-12-15 16:56 | 2025-12-17 12:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received updated mortgage statements reflecting current pay history. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Counter-Received evidence of XXX and XXX XXX payments, however missing evidence of XXX XXX payment. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated Mortgage Rating for Mortgage with XXX/XXX #XXX7. Per guidelines, mortgage most be current and no more than 45 days have elapsed since the last paid installment date. Per the Credit report, last payment date is XXX, file closed XXX. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received updated mortgage statements reflecting current pay history. - Due Diligence Vendor-12/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_MORTGAGE STATEMENT XXX.pdf<br> XXX_MORTGAGE STATEMENT XXX.pdf<br> XXX_MORTGAGE STATEMENT XXX.pdf<br> XXX_MORTGAGE STATEMENT XXX.pdf<br> XXX_MORTGAGE STATEMENT XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 36690578 | XXX | XXX D A | Closed | FCOM8807 | 2025-11-13 12:09 | 2025-11-18 19:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open- - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-11/19/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%. |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30101679 | XXX | XXX C A | Closed | FVAL9739 | 2025-10-24 12:04 | 2025-10-28 09:52 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received Appraisal Transfer Letter. - Due Diligence Vendor-10/28/2025 <br> Ready for Review-Document Uploaded. - Seller-10/27/2025 <br> Open-Missing appraisal transfer letter from XXX to XXX. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. - Seller-10/27/2025<br>| Resolved-Received Appraisal Transfer Letter. - Due Diligence Vendor-10/28/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | APPRAISAL TRANSFER LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39496482 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-01 13:56 | 2025-12-17 16:12 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting corrected DTI. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-There is a discrepancy between the DTI XXX% on the Final 1008 submitted and the audited DTI of XXX due to the new XXX 2nd Lien for property located at XXX was not included in the calculation. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received revised 1008 reflecting corrected DTI. - Due Diligence Vendor-12/17/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_FINAL 1003.pdf<br> XXX_FINAL TRANSMITTAL 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39496482 | XXX | XXX D A | Closed | FCRE6546 | 2025-12-01 13:55 | 2025-12-03 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received supporting documentation for new 2nd lien for property located at XXX. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Missing all supporting documentation for new XXX 2nd Line for property located at XXX. Subject to recalculation of DTI. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received supporting documentation for new 2nd lien for property located at XXX. - Due Diligence Vendor-12/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_New XXX 2nd Lien.pdf<br> XXX_New XXX 2nd Lien.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30678963 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-22 21:59 | 2026-01-02 12:57 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Counter-Received revised 1008, however DTI calculations are still incorrect. DTI should be XXX/XXX% versus lender DTI of XXX/XXX%.Lender did not include the Primary Residence payments, and inaccurate subject transaction qualifying payment. Per guidelines, the fully amortized payment after the Interest Only Period is to be used for qualifying on a Senior Lien Interest Only. Updated 1008 is required. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Per Final 1008 submitted, Housing Ratio is XXX% & DTI is XXX. Audited Housing Ratio is XXX% and DTI is XXX% due to lender not including the Primary Residence payments, and inaccurate subject transaction qualifying payment. Per guidelines, the fully amortized payment after the Interest Only Period is to be used for qualifying on a Senior Lien Interest Only. Updated 1008 is required. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-01/02/2026<br>|  |  | XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 30678963 | XXX | XXX D A | Closed | FCRE7497 | 2025-12-22 22:01 | 2025-12-31 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITI for property located at: XXX. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Missing evidence of PITIA (mortgage coupon; insurance; property taxes; HOA coupon) for property located at: XXX. Credit Report does not show evidence taxes or insurance are included in payment. Subject to recalculation of DTI. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received PITI for property located at: XXX. - Due Diligence Vendor-12/31/2025 |  |  | XXX_MORTGAGE STATEMENT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31122677 | XXX | XXX D A | Closed | FVAL4940 | 2025-11-19 12:56 | 2025-12-01 14:04 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Homeowner's Association Questionnaire | Resolved-Received Condo Questionniare. - Due Diligence Vendor-12/01/2025 <br> Ready for Review-Document Uploaded. - Seller-11/26/2025 <br> Open-Missing condo questionnaire. There appears to be a questionnaire invoice in the file in the amount of $XXX but the questionnaire was not provided in order to evidence if the condo is warrantable. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/26/2025<br>| Resolved-Received Condo Questionniare. - Due Diligence Vendor-12/01/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 85% |  | XXX_Condo-HOA-Lender Questionnaire (FOR MORTGAGE).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31122677 | XXX | XXX D A | Closed | FCRE9814 | 2025-11-19 12:54 | 2025-11-25 14:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received confirmation of title company approval of trust agreement. - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-Missing evidence the Trust docs/Trust Cert has been reviewed and approved by Title company. Title must not contain any title exceptions and offer full title protection without exception to the trust. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Received confirmation of title company approval of trust agreement. - Due Diligence Vendor-11/25/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 85% |  | XXX_TITLE APPROVAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35583702 | XXX | XXX D A | Closed | FCOM8807 | 2025-12-03 14:48 | 2025-12-16 15:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/16/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37415051 | XXX | XXX D A | Closed | FCOM1003 | 2025-11-19 11:43 | 2025-12-04 13:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Declaration - Uninsured Deed. - Due Diligence Vendor-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/04/2025 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Received Declaration - Uninsured Deed. - Due Diligence Vendor-12/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_AFFIDAVIT.pdf<br> XXX_DEED OF TRUST.pdf<br> XXX_DEED OF TRUST.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37415051 | XXX | XXX D A | Closed | FCOM8805 | 2025-11-19 11:47 | 2025-12-03 19:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as screenshot referenced is not reflected in the letter of explanation. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/04/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_BROKER RESPONSE.pdf<br> XXX_BROKER RESPONSE.pdf<br> XXX_BORROWER AUTHORIZATION PROOF.pdf<br> XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37594788 | XXX | XXX C A | Closed | FCRE1254 | 2025-12-23 10:51 | 2025-12-29 09:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Lender LOX. Title item #4 reflects as a Homestead in 2000. - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Property Title Issue Item #4 on title reflects property as borrower's homestead and is inconsistent with subject transaction closed as an investment property cash out refinance. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received Lender LOX. Title item #4 reflects as a Homestead in XXX. - Due Diligence Vendor-12/29/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35501574 | XXX | XXX D A | Closed | FCOM8807 | 2025-11-24 12:55 | 2025-12-16 09:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open- - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/16/2025<br>|  |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34390378 | XXX | XXX D A | Closed | FCRE1168 | 2025-12-16 10:04 | 2025-12-16 11:26 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Received RCE reflecting sufficient HOI policy coverage. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $- Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received RCE reflecting sufficient HOI policy coverage. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_COST ESTIMATOR FOR HAZARD INSURANCE - XXX-XXX.XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34390378 | XXX | XXX D A | Closed | FCRE1157 | 2025-11-25 14:51 | 2025-12-16 10:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received HOI policy. See new condition regarding policy coverage amount. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open-Missing Hazard Insurance Policy. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-Received HOI policy. See new condition regarding policy coverage amount. - Due Diligence Vendor-12/16/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_HAZARD INSURANCE AT DOCS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37102722 | XXX | XXX C A | Closed | FCRE6679 | 2025-12-12 20:14 | 2025-12-29 16:07 | Resolved | 1 - Information C A | Credit | Eligibility | Open Current Charge offs | Resolved-Received Lender LOX - Charge off has exceeded state statute of limitations. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Counter-Statute of limitations documentation provided, however guidelines do not address Aged charge-off items. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as guidelines do not reflect a timeframe for exclusion. Still missing documentation to confirm open charges off greater than $1,000 reporting on the credit report has been addressed paid off (XXX #XXX $XXX). Subject to additional conditions upon receipt. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Missing documentation to confirm open charges off greater than $1,000 reporting on the credit report has been addressed paid off (XXX #XXX $XXX). Subject to additional conditions upon receipt. - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received Lender LOX - Charge off has exceeded state statute of limitations. - Due Diligence Vendor-12/29/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_LOE REBUTTAL RESPONSE UW.pdf<br> XXX_CHARGE OFF.pdf<br> XXX_UW RESPONSE.pdf<br> XXX_UW RESPONSE.1.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37102722 | XXX | XXX C A | Closed | FCRE5790 | 2025-12-11 11:15 | 2025-12-26 13:06 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. THE ATTACHED SOFT PULL UDM FROM XXX TO SOFT PULL XXX BOTH REFLECTING THERE IS NO CHANGE IN CREDIT LIABILITIES - Seller-12/26/2025 <br> Counter-Received gap credit report, however it is dated outside of 10 days of the closing date. Still missing gap credit report pulled within 10 days of the Closing Date. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. THE ATTACHED SOFT PULL XXX FROM XXX TO SOFT PULL XXX BOTH REFLECTING THERE IS NO CHANGE IN CREDIT LIABILITIES - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 | Resolved-Received UDM report reflecting no new debt or inquiries. - Due Diligence Vendor-12/26/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_UDM.pdf<br> XXX_SOFT PULL XXX.pdf<br> XXX_SOFT PULL XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37102722 | XXX | XXX C A | Closed | FCRE1254 | 2025-12-12 19:47 | 2025-12-19 15:25 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received evidence trust has been reviewed and approved by the title company. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Counter-Received trust certificate, however missing supporting documentation trust was reviewed and approved by the title company. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Property Title Issue Subject is currently vested in a trust. Missing a copy of the XXX. and XXX, Trustees of the XXX Family Trust dated XXX. - Due Diligence Vendor-12/13/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received evidence trust has been reviewed and approved by the title company. - Due Diligence Vendor-12/19/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_TRUST CERTIFICATION.pdf<br> XXX_TITLE APPROVAL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37067016 | XXX | XXX D A B | Closed | FCOM8805 | 2025-12-30 09:55 | 2026-01-05 10:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_BORROWER AUTHORIZATION (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 37067016 | XXX | XXX D A B | Closed | FCRE7878 | 2025-12-30 09:44 | 2026-01-02 09:29 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 and URLA reflecting updated DTI. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-Missing updated 1008 and URLA. The audited DTI is XXX%. However, the DTI used to qualify and reflected on the final 1008 is XXX%. This is due the lender did not include the First Lien mortgage payment in the amount of $XXX and the Solar Installment Payment of $XXX supported by documentation submitted. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Received revised 1008 and URLA reflecting updated DTI. - Due Diligence Vendor-01/02/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_FINAL 1003 1.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 34918175 | XXX | XXX B A | Closed | FCRE7878 | 2025-12-30 09:14 | 2026-01-02 10:31 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting corrected DTI. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-The calculated DTI is XXX%; however, the DTI shown on the final 1008 is XXX%. This discrepancy is due to the first lien mortgage payment of $XXX not being reflected on the 1008 and the final URLA reflects an income of $XXX + $XXX when only the $XXX should reflect. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received revised 1008 reflecting corrected DTI. - Due Diligence Vendor-01/02/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31636787 | XXX | XXX D A | Closed | FCOM8807 | 2025-09-30 12:39 | 2025-10-02 16:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-10/02/2025 <br>Ready for Review-Document Uploaded. - Seller-10/02/2025 <br>Open-Missing Appraisal Acknowledgement From the file<br> - Due Diligence Vendor-09/30/2025 | Ready for Review-Document Uploaded. - Seller-10/02/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-10/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXXCert-XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31313679 | XXX | XXX D A | Closed | FCRE1676 | 2025-09-25 12:47 | 2025-10-08 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received updated Final URLA reflecting corrected Lender Loan Info page. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Counter-Lender LOX received, however insufficient to clear condition as Lender Loan information reflects new loan for $XXX. If new loan has not been taken out, please provide corrected Lender Loan information pages of final URLA. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Open-Missing CD for the new refinance with loan amount of $XXX. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-Received updated Final URLA reflecting corrected Lender Loan Info page. - Due Diligence Vendor-10/08/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | LENDER RESPONSE.pdf<br> Mortgage statement.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31313679 | XXX | XXX D A | Closed | FCRE3653 | 2025-09-25 12:45 | 2025-10-07 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received executed letter of explanation concerning "No business Deposit". - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-Missing executed letter of explanation concerning "No business Deposit". - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-Received executed letter of explanation concerning "No business Deposit". - Due Diligence Vendor-10/07/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | SIGNED LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 31050821 | XXX | XXX C A | Closed | FCRE4963 | 2025-09-25 16:48 | 2025-10-09 08:29 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received revised URLA/1008 reflecting updated figures for XXX. - Due Diligence Vendor-10/09/2025 <br> Ready for Review-Document Uploaded. - Seller-10/08/2025 <br> Counter-Received revised URLA reflecting negative rental income for XXX. Still missing updated 1008 reflecting corrected DTI of XXX%. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. - Seller-10/07/2025 <br> Counter-Received supporting documentation property located at XXX has not been sold and included in DTI. Missing updated URLA/1008 reflecting corrected DTI of XXX%. - Due Diligence Vendor-10/06/2025 <br> Ready for Review-Document Uploaded. - Seller-10/06/2025 <br> Open-Missing evidence of property sold at XXX and XXX xxXXX has been paid off per Final URLA. If not sold, subject to recalculation of DTI. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/08/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-Received revised URLA/1008 reflecting updated figures for XXX - Due Diligence Vendor-10/09/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UW RESPONSE.pdf<br> XXX MORTGAGE STATEMENT.pdf<br> XXX PROPERTY PROFILE.pdf<br> HOA XXX _ XXX.com®.pdf<br> XXX_FINAL 1003.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 31050821 | XXX | XXX C A | Closed | FCRE4805 | 2025-09-25 16:37 | 2025-10-06 14:26 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received confirmation from title, trust has been reviewed and approved. - Due Diligence Vendor-10/06/2025 <br>Ready for Review-Document Uploaded. - Seller-10/06/2025 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing evidence Trust Certification has been approved by Title Company per guidelines. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/06/2025<br>| Resolved-Received confirmation from title, trust has been reviewed and approved. - Due Diligence Vendor-10/06/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | EMAIL FROM ESCROW OFFICER - APPROVAL OF TRUST CERT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 35999241 | XXX | XXX D A | Closed | FCOM8807 | 2025-09-23 14:00 | 2025-09-25 19:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/25/2025 <br>Ready for Review-Document Uploaded. - Seller-09/25/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/25/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/25/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 35945987 | XXX | XXX D A C | Closed | FCOM8807 | 2025-09-15 12:56 | 2025-09-23 11:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/23/2025 <br>Ready for Review-Document Uploaded. - Seller-09/23/2025 <br>Open-Missing Appraisal Acknowledgement From the file - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXXCert-XXX.XXX-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35945987 | XXX | XXX D A C | Closed | 1000647-1002005 | 2025-09-15 12:14 | 2025-09-23 11:33 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-Received Settlement Services Provider List Dated XXX. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Missing Written List of Service Providers with proof issued within 3 business days of application. Unable to complete regulatory compliance check and TRID monitoring. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Settlement Services Provider List Dated XXX. - Due Diligence Vendor-09/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | SSPL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35945987 | XXX | XXX D A C | Closed | 1000591-1001923 | 2025-09-15 12:14 | 2025-09-23 11:32 | Resolved | 1 - Information C A | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received Initial Loan Estimate Issued XXX5. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Missing Initial Loan Estimate with proof issued within 3 business days of application date. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 <br> Open- - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received Initial Loan Estimate Issued XXX. - Due Diligence Vendor-09/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | INITIAL LE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 35945987 | XXX | XXX D A C | Closed | FCRE1166 | 2025-09-15 14:41 | 2025-09-23 11:32 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-09/23/2025 <br> Ready for Review-Document Uploaded. - Seller-09/23/2025 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX. Missing copy of RCE to support adequate coverage. - Due Diligence Vendor-09/17/2025 | Ready for Review-Document Uploaded. - Seller-09/23/2025<br>| Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-09/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Insurance Cost Estimator.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 39716514 | XXX | XXX D A | Closed | FCRE1325 | 2025-09-24 22:48 | 2025-09-26 13:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA Letter confirming percentage of ownership. - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Borrower 1 CPA Letter Missing Missing operating agreement, CPA, or other supporting documentation to confirm the borrower's ownership percentage in XXX. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received CPA Letter confirming percentage of ownership. - Due Diligence Vendor-09/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | CPA LETTER.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 39716514 | XXX | XXX D A | Closed | FCOM8807 | 2025-09-23 10:46 | 2025-09-26 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/26/2025 <br>Ready for Review-Document Uploaded. - Seller-09/26/2025 <br>Open- - Due Diligence Vendor-09/23/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-09/26/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXXCert-XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 38708890 | XXX | XXX C A | Closed | FCRE1648 | 2025-09-15 15:22 | 2025-09-18 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received Senior Lien Note. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility - Due Diligence Vendor-09/15/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received Senior Lien Note. - Due Diligence Vendor-09/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | FIRST LIEN NOTE XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 38708890 | XXX | XXX C A | Closed | FCRE6618 | 2025-09-17 21:22 | 2025-09-18 15:56 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Received final signed URLA. - Due Diligence Vendor-09/18/2025 <br>Ready for Review-Document Uploaded. - Seller-09/18/2025 <br>Open-The final 1003/URLA submission is incomplete. Only pages 1 through 7 have been provided; missing the final completed 1003/URLA all pages. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. - Seller-09/18/2025<br>| Resolved-Received final signed URLA. - Due Diligence Vendor-09/18/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | FINAL 1003 - ALL PAGES.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 35123340 | XXX | XXX D A | Closed | FCRE7497 | 2025-11-12 16:46 | 2025-12-03 15:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Lender LOX regarding HOI for XXX. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Counter-Received application for Homeowners in the name of a different party which is not our borrower. Still missing complete, bound HOI policy in the borrower's name for property located at: XXX. Subject to recalculation of DTI. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Counter-Received application for Homeowners which is insufficient. Still missing complete, bound HOI policy for property located at: XXX. Subject to recalculation of DTI. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/15/2025 <br> Open-Missing evidence of PITIA (insurance;) for property located at: XXX. Subject to recalculation of DTI. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-11/21/2025 <br>Ready for Review-Document Uploaded. - Seller-11/15/2025<br>| Resolved-Received Lender LOX regarding HOI for XXX. - Due Diligence Vendor-12/03/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_INSURANCE.pdf<br> XXX_INSURANCE.pdf<br> XXX_LOE RESPONSE FROM UW.pdf<br> XXX_BROKER RESPONSE.pdf<br> XXX_BROKER RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 35123340 | XXX | XXX D A | Closed | FCRE7878 | 2025-11-12 16:44 | 2025-11-21 14:07 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/21/2025 <br> Open-There is a discrepancy between the 1008 DTI XXX% and the audited DTI XXX% due to the Subject Property Taxes & HOI were not calculated correctly. Supporting documentation submitted reflects property taxes at $XXX annually = $XXX/mo. Lender used $0.00/mo. HOI documentation submitted reflects $XXX annual premium = $XXX/mo. Lender used $0.00/mo. Subject First Lien PITI Amount does not include escrows for qualifying. Subject to recalculation of DTI. - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. - Seller-11/21/2025<br>| Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-11/21/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_LOE RESPONSE FROM UW.pdf<br> XXX_LOE RESPONSE FROM UW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 2**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | Rating Agency Grades |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Kroll** | **Moodys** | **DBRS** | **Kroll** | **Moodys** |
| XXX | 34746630 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 35074318 | XXX | XXX | XXX D A | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 38108171 | XXX | XXX | XXX D A | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 34320567 | XXX | XXX | XXX A C | A | A | A C | A | A | A |
| XXX | 30840985 | XXX | XXX | XXX C B | A | A | A C | A | A | A |
| XXX | 37927669 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 39774160 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31650082 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 36281948 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 37740249 | XXX | XXX | XXX D | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 37892105 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35320369 | XXX | XXX | XXX A C | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 37062725 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 37828661 | XXX | XXX | XXX D B | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 36710483 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39904181 | XXX | XXX | XXX C D | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 33179973 | XXX | XXX | XXX D A | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 34345877 | XXX | XXX | XXX D C | A | A | A D | A | A | A |
| XXX | 37287648 | XXX | XXX | XXX B D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 30113946 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35904642 | XXX | XXX | XXX D B | A | A | A D B | A | A | A B |
| XXX | 34773270 | XXX | XXX | XXX C D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 39550777 | XXX | XXX | XXX C D | C | C | C D A | B | B | B |
| XXX | 38957909 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 33151039 | XXX | XXX | XXX D A | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 34958243 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35614618 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 38503531 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 33474940 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 39380490 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 30732713 | XXX | XXX | XXX D A | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 30059752 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 38050983 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 35064807 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 38924718 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 33993735 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 34384266 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39058937 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 34646221 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 35954167 | XXX | XXX | XXX D A | C | C | C D A | A | A | A |
| XXX | 32948566 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 39416815 | XXX | XXX | XXX D | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 30400893 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 30328728 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 32798028 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 37783902 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 30170590 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 33425461 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 39918012 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 31227425 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 39805254 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 36884314 | XXX | XXX | XXX D C | C | C | C D A | A | A | A |
| XXX | 38661280 | XXX | XXX | XXX D | C | C | C D A | A | A | A |
| XXX | 36303105 | XXX | XXX | XXX A | N/A | N/A | N/A C | N/A | N/A | N/A C |
| XXX | 33171884 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33483546 | XXX | XXX | XXX D A | C | C | C D A | A | A | A |
| XXX | 37468208 | XXX | XXX | XXX A D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 34878664 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 36136885 | XXX | XXX | XXX D | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 34324226 | XXX | XXX | XXX D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33262069 | XXX | XXX | XXX D | N/A | N/A | N/A D | N/A | N/A | N/A |
| XXX | 36755665 | XXX | XXX | XXX C A | C | C | C A | A | A | A |
| XXX | 34615222 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 35936031 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 36185991 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 33672311 | XXX | XXX | XXX A | N/A C | N/A | N/A C | N/A | N/A | N/A |
| XXX | 30551539 | XXX | XXX | XXX C D | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 36464776 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 30741975 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 31443944 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 30289820 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39556940 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 39986662 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35004326 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 36690578 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 30101679 | XXX | XXX | XXX A | C | C | C A | A | A | A |
| XXX | 39496482 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 30678963 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 31122677 | XXX | XXX | XXX D A | D | D | D A | A | A | A |
| XXX | 35583702 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 37415051 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 37594788 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 35501574 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 34390378 | XXX | XXX | XXX D A | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| XXX | 37102722 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 37067016 | XXX | XXX | XXX B D | A | A | A D | A | A | A |
| XXX | 34918175 | XXX | XXX | XXX B A | A | A | A B | A | A | A |
| XXX | 31636787 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 31313679 | XXX | XXX | XXX D A | A | A | A D | A | A | A |
| XXX | 31050821 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 35999241 | XXX | XXX | XXX A D | A | A | A D | A | A | A |
| XXX | 35945987 | XXX | XXX | XXX C D | A | A | A D | A | A | A |
| XXX | 39716514 | XXX | XXX | XXX D | A | A | A D | A | A | A |
| XXX | 38708890 | XXX | XXX | XXX C A | A | A | A C | A | A | A |
| XXX | 35711936 | XXX | XXX | XXX A | A | A | A | A | A | A |
| XXX | 35123340 | XXX | XXX | XXX D A | A | A | A D | A | A | A |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | QM ATR |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 34746630 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35074318 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 38108171 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 34320567 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 30840985 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 37927669 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 39774160 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | No | No | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXX | 31650082 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 36281948 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 37740249 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Missing |
| XXX | 37892105 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 35320369 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 37062725 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 37828661 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 36710483 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 39904181 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXX | 33179973 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 34345877 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 37287648 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 30113946 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35904642 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 34773270 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 39550777 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 38957909 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 33151039 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 34958243 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35614618 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXX | 38503531 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 33474940 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Not Employed | Not Employed | No | No | No |  |
| XXX | 39380490 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30732713 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30059752 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 38050983 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 35064807 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 38924718 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 33993735 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 34384266 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 39058937 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 34646221 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 35954167 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXX | 32948566 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 39416815 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 30400893 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30328728 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 32798028 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXX | 37783902 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30170590 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 33425461 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXX | 39918012 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 31227425 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 39805254 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 36884314 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 38661280 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 36303105 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 33171884 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 33483546 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 37468208 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 34878664 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  | No |  | Yes | Present |
| XXX | 36136885 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 34324226 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 33262069 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 36755665 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  | No | No | Yes | Present |
| XXX | 34615222 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35936031 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 36185991 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 33672311 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30551539 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 36464776 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 30741975 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 31443944 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 30289820 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 39556940 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 39986662 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35004326 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 36690578 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30101679 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 39496482 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 30678963 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 31122677 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 35583702 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 37415051 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 37594788 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35501574 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 34390378 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 37102722 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Not Employed |  | No |  | No |  |
| XXX | 37067016 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 34918175 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 31636787 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 31313679 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 31050821 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35999241 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 35945987 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| XXX | 39716514 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed |  | No |  | No |  |
| XXX | 38708890 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Employed | Employed | No | No | No |  |
| XXX | 35711936 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Employed | No | No | No |  |
| XXX | 35123340 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | Final Tape Compare |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 34746630 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 35074318 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 39774160 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 5 |
| XXX | 39774160 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc |
| XXX | 31650082 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 31650082 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37740249 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc |
| XXX | 37740249 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors |
| XXX | 37740249 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35320369 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 35320369 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 37828661 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 36710483 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 39904181 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 37287648 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 30113946 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 33151039 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 34958243 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35614618 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 3% | 1yr |
| XXX | 35614618 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alt |
| XXX | 35614618 | XXX | XXX | XXX | Originator DSCR | diligenceFinalLookPage | XXX | XXX |
| XXX | 38503531 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 33474940 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 38924718 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 38924718 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 35954167 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 35954167 | XXX | XXX | XXX | Property Zip Code | notePage | XXX | XXX |
| XXX | 35954167 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 35954167 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 32948566 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 32948566 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Debt Service Coverage Ratio |
| XXX | 32948566 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 39416815 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 30400893 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 30328728 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 32798028 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 3% |
| XXX | 32798028 | XXX | XXX | XXX | Property Zip Code | notePage | XXX | XXX |
| XXX | 32798028 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 32798028 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 32798028 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 33425461 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 33425461 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 33425461 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 33425461 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 31227425 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 39805254 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 39805254 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 36884314 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 36884314 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 36303105 | XXX | XXX | XXX | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance |
| XXX | 33171884 | XXX | XXX | XXX | Loan Purpose | the1003Page | Refinance | Purchase |
| XXX | 33171884 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 33171884 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 33483546 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37468208 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 37468208 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 37468208 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 34878664 | XXX | XXX | XXX | Property City | notePage | XXX | XXX |
| XXX | 34878664 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Detached |
| XXX | 34878664 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc |
| XXX | 34878664 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 36136885 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 36136885 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 36136885 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 34324226 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 33262069 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 33262069 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 36755665 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | 1 |
| XXX | 36755665 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 36755665 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 34615222 | XXX | XXX | XXX | Property Address | notePage | XXX | XXX |
| XXX | 34615222 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 34615222 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 34615222 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM Risk: Loan does not meet QM requirements |
| XXX | 34615222 | XXX | XXX | XXX | QM Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35936031 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 36185991 | XXX | XXX | XXX | Property Type | propertyValuationPage | Single Family Detached | Detached |
| XXX | 36185991 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 30551539 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 30551539 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 36464776 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 30741975 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 31443944 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 30289820 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 39556940 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 39986662 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 35004326 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 36690578 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 30101679 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 30101679 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 30101679 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 30678963 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 30678963 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37415051 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 37415051 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 37594788 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 37594788 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 35501574 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 35501574 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 35501574 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 34390378 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37102722 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 37102722 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 37102722 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 37067016 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 37067016 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 34918175 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 34918175 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 34918175 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 34918175 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 31636787 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31313679 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 31313679 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31313679 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 31050821 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 31050821 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 35999241 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 35999241 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 35945987 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 38708890 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 35711936 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 35123340 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 35123340 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 35123340 | XXX | XXX | XXX | Borrower 1 FTHB | the1003Page | false | Yes |
| XXX | 35123340 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 5**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | Valuation Summary |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

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| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 34746630 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 35074318 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 5 | XXX | Not Eligible | 4.3 | XXX |
| XXX | 38108171 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 93.0 | 0.07 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 34320567 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2 | XXX | Eligible | 2 | XXX |
| XXX | 30840985 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.6 | XXX |
| XXX | 37927669 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.7 | XXX |
| XXX | 39774160 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 31650082 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible | 2.6 | XXX |
| XXX | 36281948 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 2.6 | XXX |
| XXX | 37740249 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 37892105 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.3 | XXX |
| XXX | 35320369 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 92.0 | 0.08 | Other | Other | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 37062725 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 2.3 | XXX |
| XXX | 37828661 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 36710483 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.1 | XXX |
| XXX | 39904181 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 33179973 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 93.0 | 0.07 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 34345877 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.4 | XXX |
| XXX | 37287648 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 30113946 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2 | XXX |
| XXX | 35904642 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.2 | XXX |
| XXX | 34773270 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94.0 | 0.06 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 39550777 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 3.1 | XXX |
| XXX | 38957909 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 33151039 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 34958243 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | .3047 | 81.0 | 0.19 | Other | Other | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 35614618 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 38503531 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 3.7 | XXX |
| XXX | 33474940 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 93.0 | 0.07 | VeroValue | VeroValue AVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 39380490 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 30732713 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 30059752 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94.0 | 0.06 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 38050983 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 35064807 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Unavailable | 1 | XXX |
| XXX | 38924718 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1.5 | XXX | Eligible | 1 | XXX |
| XXX | 33993735 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1.5 | XXX | Eligible | 1 | XXX |
| XXX | 34384266 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0431 | AVM | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | -.0431 | 71.0 | 0.29 | CoreLogic | Other | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 39058937 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 34646221 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 3.5 | XXX | Not Eligible | 1 | XXX |
| XXX | 35954167 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 32948566 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 39416815 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91.0 | 0.09 | Other | Other | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 30400893 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible |  | XXX |
| XXX | 30328728 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 2.2 | XXX |
| XXX | 32798028 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 37783902 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 30170590 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 2.3 | XXX |
| XXX | 33425461 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 39918012 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 31227425 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 39805254 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 1 | XXX |
| XXX | 36884314 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.9 | XXX |
| XXX | 38661280 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX | -.1464 | 87.0 | 0.13 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 2.2 | XXX |
| XXX | 36303105 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 93.0 | 0.07 | Clear Capital | ClearAVM | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 33171884 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 2.6 | XXX |
| XXX | 33483546 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2 | XXX | Eligible | 1.8 | XXX |
| XXX | 37468208 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 34878664 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 36136885 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 34324226 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 4.5 | XXX |
| XXX | 33262069 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 3 | XXX |
| XXX | 36755665 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.1 | XXX |
| XXX | 34615222 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 35936031 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 36185991 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 33672311 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 5 | XXX |
| XXX | 30551539 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 36464776 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.2 | XXX |
| XXX | 30741975 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 3 | XXX | Not Eligible | 1.6 | XXX |
| XXX | 31443944 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.4 | XXX |
| XXX | 30289820 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible | 1.3 | XXX |
| XXX | 39556940 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.3 | XXX |
| XXX | 39986662 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 3 | XXX | Not Eligible | 1.1 | XXX |
| XXX | 35004326 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 36690578 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 30101679 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 2.1 | XXX |
| XXX | 39496482 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1.1 | XXX |
| XXX | 30678963 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 31122677 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 35583702 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.2 | XXX |
| XXX | 37415051 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.3 | XXX |
| XXX | 37594788 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 35501574 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.5 | XXX |
| XXX | 34390378 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |
| XXX | 37102722 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 37067016 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 34918175 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 31636787 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Not Eligible | 4.6 | XXX |
| XXX | 31313679 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 31050821 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 1 | XXX | Eligible |  | XXX |
| XXX | 35999241 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 35945987 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | MODERATE RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 39716514 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  | 3.5 | XXX | Not Eligible | 4.2 | XXX |
| XXX | 38708890 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 35711936 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 35123340 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  | 0.0 |  |  | XXX | XXX | XXX | .0000 | CLEARCAPITAL | LOW RISK | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  |  | XXX |  |  | XXX |  |  | XXX |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.3 - Schedule 6**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: ![](incenter-logo.jpg) | | Report Date: | 1/26/2026 |
| Client Name: | Vista Point Mortgage | Report: | Supplemental Data |
| Deal Name: | VSTA 2026-CES1 | Loans in report: | 96 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 34746630 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/01/2025 | 6.750% | Manual Underwriting |  | No | 9.027% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065), Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35074318 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 07/14/2025 | 6.750% | Manual Underwriting |  | No | 8.812% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 7 | 91 | Work Number | Yes | 2 | 24 | FNMA 1005 | No | XXX | XXX |  | Borrower - Wage, SECorporation - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 38108171 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/04/2025 | 6.750% | Manual Underwriting |  | No | 8.745% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 300 | FNMA 1005 | Yes | 20 | 240 | FNMA 1005 | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 34320567 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/07/2025 | 6.750% | Manual Underwriting |  | No | 8.554% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 275 | 31 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30840985 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/06/2025 | 6.750% | Manual Underwriting |  | No | 8.592% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37927669 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/08/2025 | 6.750% | Manual Underwriting |  | No | 9.163% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39774160 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31650082 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/08/2025 | 6.750% | Manual Underwriting |  | No | 10.328% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36281948 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/08/2025 | 6.370% | Manual Underwriting |  | No | 7.981% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37740249 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37892105 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/12/2025 | 6.630% | Manual Underwriting |  | No | 8.370% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35320369 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/14/2025 | 6.630% | Manual Underwriting |  | No | 9.211% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37062725 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/19/2025 | 6.610% | Manual Underwriting |  | No | 12.443% |  | 11.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 86 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37828661 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/20/2025 | 6.610% | Manual Underwriting |  | No | 8.837% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Overtime and Bonus - 2+ Months Paystubs Verified, Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Executed 4506T Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36710483 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/21/2025 | 6.610% | Manual Underwriting |  | No | 9.883% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39904181 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33179973 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/25/2025 | 6.630% | Manual Underwriting |  | No | 9.819% |  | 9.251% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 7 | Borrower |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34345877 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/26/2025 | 6.630% | Manual Underwriting |  | No | 8.204% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | Work Number | Yes | 36 | 36 | Work Number | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  |  | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37287648 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/25/2025 | 5.910% | Manual Underwriting |  | No | 8.574% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 288 | 31 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - 2021, 2022, 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2021, 2022, 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30113946 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/25/2025 | 6.630% | Manual Underwriting |  | No | 8.716% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 548 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35904642 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/26/2025 | 6.630% | Manual Underwriting |  | No | 8.945% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34773270 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/30/2025 | 6.310% | Manual Underwriting |  | No | 9.070% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, null Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39550777 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/27/2025 | 6.630% | Manual Underwriting |  | No | 8.738% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38957909 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/03/2025 | 6.570% | Manual Underwriting |  | No | 11.638% |  | 11.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 1 | FNMA 1005 | Yes | 1 | 1 | FNMA 1005 | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2025 - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33151039 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/03/2025 | 6.570% | Manual Underwriting |  | No | 8.606% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2+ Months Paystubs Verified, Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 34958243 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/14/2025 | 6.290% | Manual Underwriting |  | No | 8.846% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35614618 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38503531 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/08/2025 | 6.540% | Manual Underwriting |  | No | 9.600% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 0 | Less than 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 7 | XXX | XXX | 2 | 69 |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33474940 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/08/2025 | 6.540% | Manual Underwriting |  | No | 8.793% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SSI and Disability - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability, Retirement - Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39380490 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/02/2025 | 6.310% | Manual Underwriting |  | No | 9.485% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 167 | 31 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30732713 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 69 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30059752 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 94.57% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38050983 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/12/2025 | 6.540% | Manual Underwriting |  | No | 9.302% |  | 9.126% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35064807 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/17/2025 | 6.320% | Manual Underwriting |  | No | 8.361% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38924718 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/18/2025 | 6.320% | Manual Underwriting |  | No | 9.556% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 216 | 31 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33993735 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34384266 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/02/2025 | 6.310% | Manual Underwriting |  | No | 8.255% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 9 | Tax Preparer | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 39058937 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/01/2025 | 6.310% | Manual Underwriting |  | No | 9.631% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2023"] - 2024, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 7 | XXX | XXX | 0 | 102 |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 34646221 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/12/2025 | 6.540% | Manual Underwriting |  | No | 11.606% |  | 11.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35954167 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 32948566 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/06/2025 | 6.310% | Manual Underwriting |  | No | 8.466% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39416815 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/12/2025 | 6.260% | Manual Underwriting |  | No | 8.477% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 70 | 34 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30400893 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/09/2025 | 6.310% | Manual Underwriting |  | No | 8.691% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 237 | 32 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30328728 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/09/2025 | 6.310% | Manual Underwriting |  | No | 8.161% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 18 | 18 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 32798028 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 37783902 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/21/2025 | 6.240% | Manual Underwriting |  | No | 10.222% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30170590 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/23/2025 | 6.240% | Manual Underwriting |  | No | 8.588% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33425461 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39918012 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/28/2025 | 6.160% | Manual Underwriting |  | No | 8.359% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | ITIN-Legal Residency not validated | N/A | Missing |  | XXX | Unknown | XXX |  | XXX |  | XXX | XXX | US Citizen | ITIN-Legal Residency not validated | N/A | Missing |  | XXX | Unknown | XXX |  | XXX | Missing | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 31227425 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/07/2025 | 6.170% | Manual Underwriting |  | No | 8.423% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 34 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Overtime and Bonus, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39805254 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/23/2025 | 6.240% | Manual Underwriting |  | No | 8.881% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 270 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36884314 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/28/2025 | 5.600% | Manual Underwriting |  | No | 8.881% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38661280 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/29/2025 | 6.160% | Manual Underwriting |  | No | 8.795% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 34 | 34 | FNMA 1005 | No | XXX | XXX |  | Borrower - Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2023","2024"] - 2025, 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36303105 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/10/2025 | 6.310% | Manual Underwriting |  | No | 8.863% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33171884 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/04/2025 | 6.170% | Manual Underwriting |  | No | 9.427% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 0 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Commission - 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Retirement, SSI and Disability | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33483546 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/06/2025 | 6.170% | Manual Underwriting |  | No | 9.685% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37468208 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 10.581% |  | 10.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime and Bonus, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34878664 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36136885 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/19/2025 | 5.680% | Manual Underwriting |  | No | 8.664% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34324226 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/12/2025 | 5.640% | Manual Underwriting |  | No | 8.631% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 33262069 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 8.187% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 176 | 33 | FNMA 1005 | No | XXX | XXX |  | Borrower - Family Owned Business - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36755665 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 34615222 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/13/2025 | 6.260% | Manual Underwriting |  | No | 10.419% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35936031 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/25/2025 | 5.730% | Manual Underwriting |  | No | 8.689% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 179 | 35 | Other | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36185991 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/26/2025 | 6.260% | Manual Underwriting |  | No | 9.877% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | Full Doc | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Work Number | No | XXX | XXX |  | Borrower \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | US | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 33672311 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/21/2025 | 6.610% | Manual Underwriting |  | No | 9.161% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30551539 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 09/24/2025 | 6.220% | Manual Underwriting |  | No | 8.946% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 324 | 33 | Other | Yes | 360 | 33 | FNMA 1005 | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  | XXX | United States | XXX | X | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX | X | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 36464776 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/02/2025 | 6.310% | Manual Underwriting |  | No | 12.262% |  | 11.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30741975 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/29/2025 | 6.630% | Manual Underwriting |  | No | 8.924% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31443944 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/18/2025 | 6.320% | Manual Underwriting |  | No | 10.112% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30289820 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/29/2025 | 6.310% | Manual Underwriting |  | No | 11.325% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | USA | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39556940 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/16/2025 | 6.320% | Manual Underwriting |  | No | 10.992% |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39986662 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/03/2025 | 6.570% | Manual Underwriting |  | No | 8.255% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35004326 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/17/2025 | 6.290% | Manual Underwriting |  | No | 9.005% |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 36690578 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/14/2025 | 6.290% | Manual Underwriting |  | No | 9.390% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30101679 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 09/24/2025 | 6.220% | Manual Underwriting |  | No | 9.523% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39496482 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/27/2025 | 6.160% | Manual Underwriting |  | No | 9.610% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 261 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 30678963 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/24/2025 | 6.260% | Manual Underwriting |  | No | 10.092% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31122677 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/07/2025 | 6.310% | Manual Underwriting |  | No | 8.911% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35583702 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/19/2025 | 6.230% | Manual Underwriting |  | No | 9.548% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 9 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified - ["2024"] - 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37415051 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/23/2025 | 6.240% | Manual Underwriting |  | No | 8.782% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 81.88% | 33.33% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37594788 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/19/2025 | 6.230% | Manual Underwriting |  | No | 9.509% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 21 | CPA |  |  |  | Yes | 21 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35501574 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 8.318% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34390378 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/22/2025 | 5.760% | Manual Underwriting |  | No | 11.349% |  | 10.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 204 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37102722 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Other, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 37067016 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/18/2025 | 6.230% | Manual Underwriting |  | No | 9.625% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 22 | CPA |  |  |  | Yes | 127 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | USA | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 34918175 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/04/2025 | 6.190% | Manual Underwriting |  | No | 8.588% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31636787 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/26/2025 | 6.630% | Manual Underwriting |  | No | 9.935% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Yes | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31313679 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/10/2025 | 6.540% | Manual Underwriting |  | No | 8.536% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 31050821 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/19/2025 | 6.610% | Manual Underwriting |  | No | 9.575% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 142 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35999241 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/11/2025 | 6.630% | Manual Underwriting |  | No | 8.425% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 35945987 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/25/2025 | 6.630% | Manual Underwriting |  | No | 8.216% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 39716514 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/20/2025 | 6.610% | Manual Underwriting |  | No | 8.410% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 38708890 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 08/20/2025 | 6.610% | Manual Underwriting |  | No | 10.591% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35711936 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 09/11/2025 | 6.540% | Manual Underwriting |  | No | 9.843% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 29.00% |  | Audited | 12 | CPA | Audited | CPA | 12 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 35123340 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/16/2025 | 6.290% | Manual Underwriting |  | No | 10.771% |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 25 | 25 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 |  |  | XXX | 0 |  | XXX | 0 |  | XXX | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | United States | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX |  | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4**

![](ex994001.jpg)

![](ex994002.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2026-CES1**

**February 3, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

---

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

---

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![](ex994001.jpg)

**INFINITY BIOGRAPHY**

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

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

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

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

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

The Review population is comprised of seventy-nine (79) mortgage loans that were originally reviewed from September 2025 to December 2025.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 53 <sup>1
</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 79 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review": 16 <sup>2
</sup> Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity": 79 Mortgage Loans

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

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

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

For seventy-nine (79) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

<sup>1</sup> Twenty-six (26) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

<sup>2</sup> Sixty-three (63) loans were not subject to a property review and did not receive a property grade.

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

Infinity conducted a credit review for seventy-nine (79) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

There were 4 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by Infinity. During the course of this review, Infinity (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) reviewed the tax

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![](ex994001.jpg)

certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and

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

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

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

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

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

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

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

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for eight (8) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for sixteen (16) mortgage loans. For these sixteen (16) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines. Sixty-three (63) loans were not subject to a property review and did not receive a property grade.

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Infinity's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Infinity's review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or

a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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

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

Infinity completed a Compliance Review on fifty-three (53) mortgage loans. Twenty-six (26) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt with no consumer purpose. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or

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ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained
the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's,
initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the

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mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan
file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38
C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

Infinity reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

<u>Qualified Mortgage</u>

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.). For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

<u>General Ability to Repay</u>

Infinity reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Infinity reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Infinity does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three

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(3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;** 

**(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(IX) Federal and state specific late charge and prepayment penalty provisions.**

**(X) Recording Review** 

Infinity noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review** 

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

In addition, Infinity accessed the ASC database to verify that the appraiser, and if applicable the appraiser's supervisor, were licensed and in good standing at the time the appraisal was completed.

**(XII) Document Review** 

Infinity reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests
set forth herein.

15 \| P a g e

![](ex994001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, DBRS, Inc. ("DBRS").

**OVERALL RESULTS SUMMARY (79 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers seventy-nine (79) mortgage loans. Within those mortgage loans, Infinity graded sixty-seven (67) mortgage loans as "A" and twelve (12) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;67 | &nbsp;&nbsp;16 | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 | &nbsp;&nbsp;0 | &nbsp;&nbsp;12 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;84.81% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;84.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;15.19% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;15.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (79 MORTGAGE LOANS)**

Of the seventy-nine (79) mortgage loans reviewed, 5 (6.33%) mortgage loans had tape discrepancies across seven (7) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;79 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;2.53% |

---

16 \| P a g e

![](ex994001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (79 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33835900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33835900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33835900.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33835900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$200000.00 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;12 | &nbsp;&nbsp;15.19% | &nbsp;&nbsp;$4824800.00 | &nbsp;&nbsp;14.26% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown purpose | &nbsp;&nbsp;66 | &nbsp;&nbsp;83.54% | &nbsp;&nbsp;$28811100.00 | &nbsp;&nbsp;85.15% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33835900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$270000.00 | &nbsp;&nbsp;0.80% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;78 | &nbsp;&nbsp;98.73% | &nbsp;&nbsp;$33565900.00 | &nbsp;&nbsp;99.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33835900.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;52 | &nbsp;&nbsp;65.82% | &nbsp;&nbsp;$23471400.00 | &nbsp;&nbsp;69.37% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% | &nbsp;&nbsp;$750000.00 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;26 | &nbsp;&nbsp;32.91% | &nbsp;&nbsp;$9614500.00 | &nbsp;&nbsp;28.42% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33835900.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

![](ex994001.jpg)

**EXHIBIT A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250512.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250715.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250910.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20251202.pdf |

---

18 \| P a g e

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| xx | 40166429 |  |  | xx B D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 46302955 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 48013354 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41558844 |  |  | xx C A | A | A | A | A | A C B | A | A | A | A | A B |
| xx | 47008710 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xx | 43058182 |  |  | xx C A | A | A | A | A | A C B | A | A | A | A | A B |
| xx | 46052056 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xx | 42438615 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41142646 |  |  | xx D A | A | A | A | A | A D | A | A | A | A | A |
| xx | 46438927 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40620415 |  |  | xx A | A | A | A | A | A | A | A | A | A | A |
| xx | 46121411 |  |  | xx D A | A | A | A | A | A D | A | A | A | A | A |
| xx | 44186564 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 42536937 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 45359778 |  |  | xx A | A | A | A | A | A | A | A | A | A | A |
| xx | 42311389 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 43437038 |  |  | xx C A | A | A | A | A | A C | A | A | A | A | A |
| xx | 43815176 |  |  | xx A | A | A | A | A | A | A | A | A | A | A |
| xx | 46382567 |  |  | xx A C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 42323679 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 45775622 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40008471 |  |  | xx D C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 40270930 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 42882488 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xx | 41494124 |  |  | xx C A | A | A | A | A | A C B | A | A | A | A | A B |
| xx | 40402183 |  |  | xx A | A | A | A | A | A | A | A | A | A | A |
| xx | 40801076 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 48739142 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 49949115 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 49390609 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 47462446 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 42344883 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 42509241 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 46223680 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 49960947 |  |  | xx A C | A | A | A | A | A C | A | A | A | A | A |
| xx | 49690134 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 44070906 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40001264 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 46273561 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xx | 43880813 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 45940379 |  |  | xx C A | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xx | 49676032 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xx | 45281752 |  |  | xx A | A | A | A | A | A | A | A | A | A | A |
| xx | 45961937 |  |  | xx C A | A | A | A | A | A C B | A | A | A | A | A B |
| xx | 43461076 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 47034147 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41848389 |  |  | xx D A | A | A | A | A | A D | A | A | A | A | A |
| xx | 49017811 |  |  | xx D C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 41817140 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 40323444 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 44377229 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| xx | 41426320 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 44303415 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41632213 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A |
| xx | 43034265 |  |  | xx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 49027785 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 46523901 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 46468117 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 46112829 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 45577233 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 42526310 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41811186 |  |  | xx D C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 48368339 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 43432254 |  |  | xx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xx | 47341119 |  |  | xx C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 45760155 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 46082015 |  |  | xx C A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 44222982 |  |  | xx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xx | 47435385 |  |  | xx A C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 41425262 |  |  | xx B A | A | A | A | A | A B | A | A | A | A | A B |
| xx | 42128877 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 43157513 |  |  | xx C A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xx | 49179558 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 49789461 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40123609 |  |  | xx B A | A | A | A | A | A B | A | A | A | A | A |
| xx | 41261496 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 41042736 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40038299 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xx | 40464249 |  |  | xx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| xx | 40166429 |  | D A B NA | Closed | FCOM1511 | 2025-09-26 15:15 | 2025-09-29 09:49 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Resolved 09/29/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/29/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-Final Closing Disclosure/Settlement Statement Disclosure Missing - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-Resolved 09/29/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/29/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.69 Years |  | Final Borrower's Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | HI | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40166429 |  | D A B NA | Closed | FCRE1183 | 2025-09-26 14:34 | 2025-09-26 18:40 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025 <br> Ready for Review-Document Uploaded. - Seller-09/26/2025 <br> Open-1008/Underwriting Summary Partially Provided As per Final 1008 , HCLTV is xx , however tape data & calculated CLTV & HCLTV reflects xx. Provide the corrected final 1008 . - Due Diligence Vendor-09/26/2025 | Ready for Review-Document Uploaded. - Seller-09/26/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-09/26/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 786 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.70 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.69 Years |  | Updated 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | HI | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 46302955 |  | D A NA | Closed | FCRE1503 | 2025-12-29 12:18 | 2025-12-30 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 12/30/2025 - Note, Tax, HOI and First Payment Letter is received for the REO property xx. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Not Resolved - 12/30/2025 - 1st Payment letter is not fully present page 1 is missing. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-The borrower is obtaining a loan with xx for the property located at xx (Loan #xx). However, no supporting documentation was provided other than the 1008. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Resolved - 12/30/2025 - Note, Tax, HOI and First Payment Letter is received for the REO property xx. - Due Diligence Vendor-12/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.30 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.29 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | Closing Docs - 1st Payment Letter.pdf<br> xx Note.pdf<br> xx HOI.pdf<br> Taxes_xx.pdf<br> xx 1st pymt ltr.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 48013354 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41558844 |  | C B A | Closed | FCRE1195 | 2025-09-16 11:13 | 2025-09-24 14:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xx exceeds Guideline CLTV of 70% 1. Rate 9.75% xx loan amt <br> 2. Loan Program: xx Second Mtg 30 yr Fixed DSCR <br> 3. CASH OUT REFI INVESTMENT PROPERTY <br> 4. LTV xx FICO 775 DSCR 1.069. - Due Diligence Vendor-09/24/2025 <br> Open-Audited CLTV of xx exceeds Guideline CLTV of 70% According to the guideline, for 2–4 unit non-owner-occupied properties, the maximum allowable CLTV is 70%. - Due Diligence Vendor-09/16/2025 |  | Waived-Audited CLTV of xx exceeds Guideline CLTV of 70% 1. Rate 9.75% xx loan amt <br> 2. Loan Program: xx Second Mtg 30 yr Fixed DSCR <br> 3. CASH OUT REFI INVESTMENT PROPERTY <br> 4. LTV xx FICO 775 DSCR 1.069. - Due Diligence Vendor-09/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years | 1. 0x30x48 MTG <br> 2. 775 CREDIT SCORE<br> 3. BORROWER HAS OWNED SUBJECT 6 YEARS | xx - Exception Request.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 41558844 |  | C B A | Closed | FCRE1196 | 2025-09-16 11:13 | 2025-09-24 14:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xx exceeds Guideline HCLTV of 70% 1. Rate 9.75% xx loan amt <br> 2. Loan Program: xx Second Mtg 30 yr Fixed DSCR <br> 3. CASH OUT REFI INVESTMENT PROPERTY <br> 4. LTV xx FICO 775 DSCR 1.069. - Due Diligence Vendor-09/24/2025 <br> Open-Document Uploaded. - Due Diligence Vendor-09/24/2025 <br> Open-Audited HCLTV of xx exceeds Guideline HCLTV of 70% According to the guideline, for 2–4 unit non-owner-occupied properties, the maximum allowable CLTV is 70%. - Due Diligence Vendor-09/16/2025 |  | Waived-Audited HCLTV of xx exceeds Guideline HCLTV of 70% 1. Rate 9.75% xx loan amt <br> 2. Loan Program: xx Second Mtg 30 yr Fixed DSCR <br> 3. CASH OUT REFI INVESTMENT PROPERTY <br> 4. LTV xx FICO 775 DSCR 1.069. - Due Diligence Vendor-09/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 775 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8.33 Years | 1. 0x30x48 MTG <br> 2. 775 CREDIT SCORE<br> 3. BORROWER HAS OWNED SUBJECT 6 YEARS | xx - Exception Request.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 47008710 |  | B A NA | Closed | FCRE1440 | 2025-10-21 08:50 | 2025-10-21 08:50 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Borrower lives rent free. No Housing History on Primary - Due Diligence Vendor-10/21/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements Borrower lives rent free. No Housing History on Primary - Due Diligence Vendor-10/21/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.90 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DTI @ 48.857%<br> Low use of revolving credit<br> Low LTV @ xx<br> Residual Income @ xx |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 43058182 |  | C B A | Closed | FCRE1193 | 2025-09-16 07:48 | 2025-10-17 08:46 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-We received exception report"51.78% DTI ABOVE 50% MAX ALLOWED " - Due Diligence Vendor-10/17/2025 <br> Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Counter-1. According to the documents, the total liability is only $123. However, the monthly rental income is xx for this property #(xx), of which 75% (xx) is considered. The mortgage payment is xx, resulting in a net rental income of only xx.If we input xx as rental income in xx, the DTI exceeds 50%.<br>2. For Property #xx, the tax, insurance, and HOA documents are missing. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. The Final 1008 was incorrect as there was only 123 in debt not 716. xx 30 day xx should not be counted in DTI as enough funds to pay account so this was removed and there is no other debt but xx so corrected rent to xx and corrected debt and DTI is only 49.772 w/corrections. Attached are the corrected 1008 and 1003. Please clear condition. - Seller-09/18/2025 <br> Open-Audited DTI of 51.78% exceeds Guideline DTI of 50% The audited Debt-to-Income (DTI) ratio of 51.78% does not match the 49.21% DTI shown on Form 1008. This discrepancy is due to the lender using rental income that exceeds the amount stated in the lease agreement, resulting in a DTI that exceeds the allowable guideline. - Due Diligence Vendor-09/16/2025 | Ready for Review-Document Uploaded. - Seller-10/16/2025 <br> Ready for Review-Document Uploaded. The Final 1008 was incorrect as there was only 123 in debt not 716. xx 30 day xx should not be counted in DTI as enough funds to pay account so this was removed and there is no other debt but xx so corrected rent to xx and corrected debt and DTI is only 49.772 w/corrections. Attached are the corrected 1008 and 1003. Please clear condition. - Seller-09/18/2025 | Waived-We received exception report"51.78% DTI ABOVE 50% MAX ALLOWED " - Due Diligence Vendor-10/17/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.70 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.79 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 793 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Justification: EXPERIENCED INVESTOR<br> EXCELLENT CREDIT HISTORY <br> 5 YR BUSINESS OWNER <br> CREDIT SCORE 83 POINTS ABOVE MINIMUM <br> 47 MOS RESERVES <br> CLTV 7% BELOW MAXIMUM <br> xx RESIDUAL INCOME | xx - Corrected 1008 - Transmittal Summary.pdf<br> xx - Corrected 1003.pdf<br> xx_-_Exception_Approval.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xx | 46052056 |  | B A NA | Closed | FCRE1193 | 2025-10-01 00:00 | 2026-02-04 13:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 48.5% exceeds Guideline DTI of 45% DTI over 45% for interest only payment amortized. - Due Diligence Vendor-02/04/2026 |  | Waived-Audited DTI of 48.5% exceeds Guideline DTI of 45% DTI over 45% for interest only payment amortized. - Due Diligence Vendor-02/04/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years | According to the loan file, the LTV is low at xx, residual income is xx, and the borrower has maintained a perfect mortgage payment history with no late payments since 2009. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 42438615 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | HI | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41142646 |  | D A | Closed | FCRE1183 | 2025-09-19 10:54 | 2025-10-15 09:04 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved-10/15/2025: 1008 Document received. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Corrected 1008 Attached. Please clear condition. - Seller-10/14/2025 <br>Open-1008/Underwriting Summary Partially Provided The final 1008 reflects the lien type as a second lien; however, the CLTV has not been updated to reflect the first lien accordingly. Kindly provide the corrected final 1008 with the appropriate CLTV adjustment. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Corrected 1008 Attached. Please clear condition. - Seller-10/14/2025<br>| Resolved-Resolved-10/15/2025: 1008 Document received. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | xx - Corrected 1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NV | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41142646 |  | D A | Closed | FCRE1158 | 2025-09-19 11:00 | 2025-10-15 09:01 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved – 10/15/2025: HOI document received, reflecting the 1st lien mortgagee clause. - Due Diligence Vendor-10/15/2025 <br> Ready for Review-Document Uploaded. Insurance w/1st included attached including current policy and renewed policy. Note policy provided at time of funding was coverage for the renewal period xx but had wrong period included so both policies included this time. Please clear condition. - Seller-10/14/2025 <br> Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Missing required 1st lien mortgagee clause on Hazard Policy. File contains Hazard policy with xx as Mortgagee. 1st lien is currently with Lender xx which is not reflected. Both mortgagee clause need to be evident on Second Mortgage loan. - Due Diligence Vendor-09/19/2025 | Ready for Review-Document Uploaded. Insurance w/1st included attached including current policy and renewed policy. Note policy provided at time of funding was coverage for the renewal period xx but had wrong period included so both policies included this time. Please clear condition. - Seller-10/14/2025 | Resolved-Resolved – 10/15/2025: HOI document received, reflecting the 1st lien mortgagee clause. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years |  | xx Hazard with 1st mtg included.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NV | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 46438927 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | MD | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 40620415 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 46121411 |  | D A | Closed | FCRE1342 | 2025-10-10 15:21 | 2025-10-21 11:32 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/21/2025 <br> Resolved-Resolved on 10/10/2025 – Received the borrower's business bank statement for the period xx, ending in account number xx. - Due Diligence Vendor-10/10/2025 <br> Ready for Review-Document Uploaded. June 2025 business statement attached. Please clear condition. - Seller-10/10/2025 <br> Open-Borrower Business Bank Statement missing from xx ending xx - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. June 2025 business statement attached. Please clear condition. - Seller-10/10/2025<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-10/21/2025 <br> Resolved-Resolved on 10/10/2025 – Received the borrower's business bank statement for the period xx, ending in account number xx. - Due Diligence Vendor-10/10/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 24.53 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.52 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 755 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xx - June 2025 Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 44186564 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42536937 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45359778 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | FL | Investment | Refinance | Cash Out - Other |  |  |
| xx | 42311389 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43437038 |  | C A | Closed | FCRE1196 | 2025-10-06 09:03 | 2025-10-08 11:16 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Resolved-10-08-2025 Exception approval document received. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Exception approval attached and loan has been relocked accordingly. Please clear condition - Seller-10/07/2025 <br> Open-Audited HCLTV of xx exceeds Guideline HCLTV of 65% The lender initially considered the FICO scores from the credit report dated 08/06/2025, with a qualifying FICO of 723. However, the most recent credit report in the file, dated 09/22/2025, shows a qualifying FICO score of 703. Accordingly, the maximum HCLTV is limited to 65%. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Exception approval attached and loan has been relocked accordingly. Please clear condition - Seller-10/07/2025<br>| Resolved-Resolved-10-08-2025 Exception approval document received. - Due Diligence Vendor-10/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 33 yr BUSINESS OWNER<br> 0x30 MTG HISTORY SINCE 6/2008<br> xx RESIDUAL INCOME<br> CREDIT SCORE 3 POINTS ABOVE MINIMUM<br> 41 MOS RESERVES <br> DTI 7% BELOW MAXIMUM <br> xx RESIDUAL INCOME | xx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 43437038 |  | C A | Closed | FCRE1195 | 2025-10-06 09:03 | 2025-10-08 11:15 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Resolved-10-08-2025 Exception approval document received. - Due Diligence Vendor-10/08/2025 <br> Ready for Review-Document Uploaded. Exception approval attached and loan has been relocked accordingly. Please clear condition - Seller-10/07/2025 <br> Open-Audited CLTV of xx exceeds Guideline CLTV of 65% The lender initially considered the FICO scores from the credit report dated 08/06/2025, with a qualifying FICO of 723. However, the most recent credit report in the file, dated 09/22/2025, shows a qualifying FICO score of 703. Accordingly, the maximum CLTV is limited to 65%. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Exception approval attached and loan has been relocked accordingly. Please clear condition - Seller-10/07/2025<br>| Resolved-Resolved-10-08-2025 Exception approval document received. - Due Diligence Vendor-10/08/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.48% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 34.75 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 34.76 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 33 yr BUSINESS OWNER<br> 0x30 MTG HISTORY SINCE 6/2008<br> xx RESIDUAL INCOME<br> CREDIT SCORE 3 POINTS ABOVE MINIMUM<br> 41 MOS RESERVES <br> DTI 7% BELOW MAXIMUM <br> xx RESIDUAL INCOME | xx - Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 43815176 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 46382567 |  | C A NA | Closed | finding-3652 | 2025-09-25 14:54 | 2025-10-14 12:48 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Resolved 10/14/2025: Received PCCD with cure $1250.00 and exception was cleared.<br> - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 <br> Open- - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. - Seller-10/13/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,250.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). In Final closing Disclosure Lender Credits Decreased $1250.00, Please provide the COC. - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/26/2025 <br> Open- - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-10/13/2025<br>| Resolved-Resolved 10/14/2025: Received PCCD with cure xx and exception was cleared.<br> - Due Diligence Vendor-10/14/2025 <br> Resolved- - Due Diligence Vendor-10/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.70 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 21.69 Years |  | PCCD Cure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 42323679 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | MD | Investment | Refinance | Cash Out - Other |  |  |
| xx | 45775622 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40008471 |  | D A C NA | Closed | FCRE0363 | 2025-09-25 17:31 | 2025-09-30 19:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Final HUD-1 Document is Unexecuted | Resolved-Resolved 09/30/2025- Settlement statement document received with Certified to be a true and correct copy of the Original. - Due Diligence Vendor-09/30/2025 <br> Ready for Review-Document Uploaded. - Seller-09/29/2025 <br> Open-Provide Settlement statement for the property "xx And xx" with Executed copy. - Due Diligence Vendor-09/25/2025 | Ready for Review-Document Uploaded. - Seller-09/29/2025<br>| Resolved-Resolved 09/30/2025- Settlement statement document received with Certified to be a true and correct copy of the Original. - Due Diligence Vendor-09/30/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 46.16 Years |  | ALTA Buyer or Borrower's Statement.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40008471 |  | D A C NA | Closed | FCRE5819 | 2025-09-29 13:39 | 2025-09-30 19:55 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal: Property Issues indicated | Resolved-Resolved-09/30/2025-The property is on corner and the USPS address is xx.- The Property is a 2 unit and is situated on the exact corner of xx and Council however due to the limitations of the USPS it can only be assigned One address which has been confirmed as the xx Address and is reflected on the appraisal - Condition resolved due to clarification and USPS search - Due Diligence Vendor-02/04/2026 <br> Ready for Review-<br>The property is on a corner and the USPS address is xx. - Seller-09/29/2025 <br> Open-Sponsor Review The subject property consists of two units located at xx and xx. However, the AVM only reflects xx. - Due Diligence Vendor-09/29/2025 | Ready for Review-<br>The property is on a corner and the USPS address is xx. - Seller-09/29/2025 | Resolved-Resolved-09/30/2025-The property is on corner and the USPS address is xx.- The Property is a 2 unit and is situated on the exact corner of xx and Council however due to the limitations of the USPS it can only be assigned One address which has been confirmed as the xx Address and is reflected on the appraisal - Condition resolved due to clarification and USPS search - Due Diligence Vendor-02/04/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 46.16 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40008471 |  | D A C NA | Closed | FCOM4227 | 2025-09-26 08:34 | 2025-09-30 08:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 09/30/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/30/2025 <br> Ready for Review-This is a business purpose loan, no TRID disclosures. Uploaded FSS to other condition - Seller-09/29/2025 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Final Closing Disclosure / Final Settlement Statement. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you<br> - Due Diligence Vendor-09/26/2025 | Ready for Review-This is a business purpose loan, no TRID disclosures. Uploaded FSS to other condition - Seller-09/29/2025<br>| Resolved-Resolved 09/30/2025: Received Final Settlement statement with funding date xx and exception was cleared.<br> - Due Diligence Vendor-09/30/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 791 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 3 Has Stable Time In Profession By Ten (10) Years Or More - 22 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 46.16 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40270930 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42882488 |  | B A NA | Closed | FCRE1440 | 2025-10-07 11:08 | 2025-10-07 11:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements An exception is needed to use P&L income qualification without a sufficient housing history. The primary lien<br> is in the name of the borrower's spouse, who is not on the loan. - Due Diligence Vendor-10/07/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements An exception is needed to use P&L income qualification without a sufficient housing history. The primary lien<br> is in the name of the borrower's spouse, who is not on the loan. - Due Diligence Vendor-10/07/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.96 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.97 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 65% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | xx 30 Yr Fixed<br> FICO 731<br> DTI 42.073 / 48.420<br> CLTV xx / xx<br> Cashout<br> Rate 8.500 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 41494124 |  | C B A | Closed | FCRE1200 | 2025-10-03 07:25 | 2025-10-10 21:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-An exception is required for a loan amount under $200,000 - Due Diligence Vendor-10/03/2025 |  | Waived-An exception is required for a loan amount under $200,000 - Due Diligence Vendor-10/03/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.5 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.65 Years | 1) The FICO is 781<br> 2) The borrower has owned the business being used to qualify for over 20 years and there is a positive<br> income trend.<br> 3) The residual income is xx.<br>|  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 41494124 |  | C B A | Closed | FCRE1183 | 2025-10-03 07:26 | 2025-10-10 21:22 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/11/2025 <br>Resolved-Resolved on 10-07-2025 –Updated 1008 document received. - Due Diligence Vendor-10/07/2025 <br>Ready for Review-Document Uploaded. - Seller-10/07/2025 <br>Open-1008/Underwriting Summary Partially Provided The income, primary housing expenses, and credit liabilities do not align with the figures stated in the Final 1003 - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. - Seller-10/07/2025<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-10/11/2025 <br>Resolved-Resolved on 10-07-2025 –Updated 1008 document received. - Due Diligence Vendor-10/07/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.5 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.65 Years |  | Updated 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41494124 |  | C B A | Closed | FCRE1195 | 2025-10-06 20:27 | 2025-10-10 21:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of xx is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-10/11/2025 <br> Ready for Review-Document Uploaded. Please see most current matrix, we are good up to 80% CLTV - Seller-10/07/2025 <br> Open-Audited CLTV of xx exceeds Guideline CLTV of 75% As per guidelines, the maximum CLTV for investment properties using bank statement income is 75%; however, the audited CLTV exceeds this limit - Due Diligence Vendor-10/07/2025 | Ready for Review-Document Uploaded. Please see most current matrix, we are good up to 80% CLTV - Seller-10/07/2025<br>| Resolved-Audited CLTV of xx is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-10/11/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.5 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.65 Years |  | xx Matrix v2.9 (xx).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41494124 |  | C B A | Closed | FCRE1196 | 2025-10-06 20:27 | 2025-10-10 21:22 | Resolved | 1 - Information C A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Audited HCLTV of xx is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-10/11/2025 <br> Resolved-Resolved on 10-07-2025 – Updated guidelines received. CLTV and HLTV up to 80% are now valid. - Due Diligence Vendor-10/07/2025 <br> Ready for Review-Uploaded current matrix to other condition. - Seller-10/07/2025 <br> Open-Audited HCLTV of xx exceeds Guideline HCLTV of 75% As per guidelines, the maximum HCLTV for investment properties using bank statement income is 75%; however, the audited HCLTV exceeds this limit - Due Diligence Vendor-10/07/2025 | Ready for Review-Uploaded current matrix to other condition. - Seller-10/07/2025<br>| Resolved-Audited HCLTV of xx is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-10/11/2025 <br> Resolved-Resolved on 10-07-2025 – Updated guidelines received. CLTV and HLTV up to 80% are now valid. - Due Diligence Vendor-10/07/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.38 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 23.5 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 36.65 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40402183 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 40801076 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 48739142 |  | A NA | Closed | FCRE1169 | 2025-10-21 22:49 | 2025-10-24 19:47 | Resolved | 1 - Information A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Resolved-10/24/2025-PCCD received disbursement date is xx - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. Please see PCCD :) - Seller-10/24/2025 <br> Open-Flood Insurance Effective Date of xx is after the Note Date of xx - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see PCCD :) - Seller-10/24/2025<br>| Resolved-Resolved-10/24/2025-PCCD received disbursement date is xx - Due Diligence Vendor-10/24/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.62 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | Closing Disclosure (Alternate).pdf<br>BuyerBorrower Final Statement.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 49949115 |  | D A NA | Closed | FCRE3978 | 2025-10-31 10:31 | 2025-10-31 14:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Resolved-10/31/2025 - Other inquiries are submitting brokers credit for initial credit report pull. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-TPR to review and clear condition as follows: Other inquiries are submitting brokers credit for initial credit report pull. Please clear condition. - Seller-10/31/2025 <br>Open-As per the Gap Credit report, there are three credit inquiries listed; however, we have not received a Letter of Explanation (LOE) from the borrower, which is required according to the guidelines. - Due Diligence Vendor-10/31/2025 | Ready for Review-TPR to review and clear condition as follows: Other inquiries are submitting brokers credit for initial credit report pull. Please clear condition. - Seller-10/31/2025<br>| Resolved-Resolved-10/31/2025 - Other inquiries are submitting brokers credit for initial credit report pull. - Due Diligence Vendor-10/31/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 22 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49390609 |  | D A NA | Closed | FCRE9500 | 2025-10-21 10:07 | 2025-10-21 16:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Assets) missing or unexecuted | Resolved-Resolved-10/21/2025-CPA letter received. - Due Diligence Vendor-10/21/2025 <br> Ready for Review-Document Uploaded. - Seller-10/21/2025 <br> Open-The borrower has utilized account #xx to document assets. Although the asset is vested under the business name, the borrower's individual ownership percentage or usage share has not been specified. Please provide a letter of explanation clarifying the borrower's percentage of ownership and usage of this asset. - Due Diligence Vendor-10/21/2025 | Ready for Review-Document Uploaded. - Seller-10/21/2025<br>| Resolved-Resolved-10/21/2025-CPA letter received. - Due Diligence Vendor-10/21/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.46% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.14 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 347.42 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | CPA letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47462446 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CO | Investment | Refinance | Cash Out - Other |  |  |
| xx | 42344883 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | HI | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42509241 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 46223680 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 49960947 |  | C A | Closed | finding-47 | 2025-11-05 15:27 | 2025-11-07 12:42 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved- - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. his loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/05/2025 <br>Open- - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025<br>| Resolved- - Due Diligence Vendor-11/07/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.35 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years |  | pccd.pdf<br> xx - FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49690134 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 44070906 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 40001264 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 46273561 |  | D B A NA | Closed | FCRE1342 | 2025-12-05 09:56 | 2026-01-26 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-01/26/2026 <br> Resolved-Resolved - 12/08/2025 - Bank Statement received for the month of September. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. xx statement for account ending xx attached. Please clear condition - Seller-12/08/2025 <br> Open-Borrower 1 business bank statement missing # xx for month of September 2024 . (Business Name : xx) - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. xx statement for account ending xx attached. Please clear condition - Seller-12/08/2025 | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-01/26/2026 <br>Resolved-Resolved - 12/08/2025 - Bank Statement received for the month of September. - Due Diligence Vendor-12/08/2025<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx - xx stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 46273561 |  | D B A NA | Closed | INFI1461 | 2025-12-04 05:44 | 2025-12-05 09:54 | Waived | 2 - Non-Material B | Credit | Eligibility | LTV Exception >5% and <10% | Waived-Requesting LTV exception to xx with MAX allowed 75% - Due Diligence Vendor-12/04/2025 |  | Waived-Requesting LTV exception to xx with MAX allowed 75% - Due Diligence Vendor-12/04/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.32 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.32 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.31 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 684 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 27 months in reserves $0 required<br>Fico 684 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 43880813 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 45940379 |  | C B A NA | Closed | FCRE1178 | 2025-10-28 11:05 | 2025-10-30 14:48 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Resolved-10/30/2025 - Old Policy Document & Renewal policy document received. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Per closing: They are looking at the renewal policy. Attached is the current policy from xx and the renewal policy from xx - Seller-10/30/2025 <br> Open-Other Property Insurance Policy Effective Date of xx is after the Note Date of xx - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Per closing: They are looking at the renewal policy. Attached is the current policy from xxand the renewal policy from xx- Seller-10/30/2025 | Resolved-Resolved-10/30/2025 - Old Policy Document & Renewal policy document received. - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx - Ins.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NC | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 45940379 |  | C B A NA | Closed | FCRE1200 | 2025-10-30 13:30 | 2025-10-30 13:30 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xx is less than the Guideline Minimum Loan Amount of 200000 Loan amount exception for xx with required minimum $200,000 - Due Diligence Vendor-10/30/2025 |  | Waived-Audited Loan Amount of xx is less than the Guideline Minimum Loan Amount of 200000 Loan amount exception for xx with required minimum $200,000 - Due Diligence Vendor-10/30/2025 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. Good credit 0x30 mortgage payment history<br> 2. Fico 764 w/720 required<br> 3. 29 months reserves w/none required<br> 4. Experienced investor |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | NC | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 49676032 |  | D B A NA | Closed | FCRE3978 | 2025-10-30 13:18 | 2025-10-30 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Resolved-10/30/2025 - Other inquiries are submitting brokers credit for initial credit report pull. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Other inquiries are submitting brokers credit for initial credit report pull. Please clear condition. - Seller-10/30/2025 <br> Open-As per latest Gap credit report , there are 3 inquiries reflecting. But as per LOE provided by borrower at page # 505 , dated xx , specified about only one inquiry . Provide LOE for remaining 2 inquiries . - Due Diligence Vendor-10/30/2025 | Ready for Review-Other inquiries are submitting brokers credit for initial credit report pull. Please clear condition. - Seller-10/30/2025<br>| Resolved-Resolved-10/30/2025 - Other inquiries are submitting brokers credit for initial credit report pull. - Due Diligence Vendor-10/30/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 49676032 |  | D B A NA | Closed | FCRE1437 | 2025-10-28 10:15 | 2025-10-28 10:15 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 6 ODs found during Bank Statement Analysis Review. - Due Diligence Vendor-10/28/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 6 ODs found during Bank Statement Analysis Review. - Due Diligence Vendor-10/28/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 44.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.75 Years | Compensating Factors<br> 0x30x12+ Mortgage history<br> 5+ years established credit history<br> Reserves > minimum requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xx | 45281752 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CO | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45961937 |  | C B A | Closed | FCRE1193 | 2025-11-03 18:18 | 2025-11-10 12:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Waived- 11/7/2025 - Exception Document Received. 50.58% DTI above 50% maximum allowed - Due Diligence Vendor-11/10/2025 <br> Open-Audited DTI of 50.58% exceeds Guideline DTI of 50% The audited Housing Expense Ratio of 44.23% and Audited DTI of 50.58% do not match the 1008 Housing Expense Ratio of 42.577% and DTI of 48.940% respectively, as the lender used xx for primary housing expenses instead of xx stated in the lease agreement & VOR Document. The same amount of xx is also reflected as a withdrawal in the borrower's bank statement. #xx, xx, xx, xx. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Exception approval attached. Please clear condition - Seller-11/06/2025 | Ready for Review-Document Uploaded. Exception approval attached. Please clear condition - Seller-11/06/2025<br>| Waived-Waived- 11/7/2025 - Exception Document Received. 50.58% DTI above 50% maximum allowed - Due Diligence Vendor-11/10/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.82 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 742 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 1. 7 YR BUSINESS OWNER 23 YRS SAME LINE OF WORK.<br> 2. EXCELLENT MORTGAGE HISTORY SINCE 2017.<br> 3. CREDIT SCORE 22 PTS ABOVE MINIMUM.<br> 4. LTV 50% BELOW MAXIMUM.<br> 5. 31 MONTHS RESERVES.<br> 6. xx RESIDUALL INCOME. | xx-Exception.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 43461076 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 47034147 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| xx | 41848389 |  | D A | Closed | FCRE1342 | 2025-10-30 14:53 | 2025-10-31 11:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Resolved-10/31/2025 - Business Bank statements received. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Missing bank statements, please clear condition - Seller-10/30/2025 <br> Open-Borrower Business bank statement missing for the month of xx - xx # xx considered for income calculations . - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Missing bank statements, please clear condition - Seller-10/30/2025<br>| Resolved-Resolved-10/31/2025 - Business Bank statements received. - Due Diligence Vendor-10/31/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.58 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.73% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.08 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | TN | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49017811 |  | D A C NA | Closed | INFI1294 | 2025-10-29 14:59 | 2025-10-30 16:31 | Resolved | 1 - Information C A | Compliance | Compliance | Qualified Mortgage DTI exceeds 43% | Resolved-Resolved on 10/30/2025 – Borrower ownership updated to 100% and expense ratio adjusted to 50%. Income used to qualify has been updated, and the condition has been cleared - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Personal bank statements are being used so 100% of deposits can be used. Income worksheet showed expense factor in error so income should actually be 50% higher. Please clear condition. - Seller-10/30/2025 <br> Open-As per CPA letter & Business narrative , Borrower business ownership is 25% , but as per lender worksheet ownership is 100% at 25% expense ratio . Hence Income is varied Lender income xx vs calculated income xx . Hence DTI is getting varied . - Due Diligence Vendor-10/29/2025 | Ready for Review-Personal bank statements are being used so 100% of deposits can be used. Income worksheet showed expense factor in error so income should actually be 50% higher. Please clear condition. - Seller-10/30/2025<br>| Resolved-Resolved on 10/30/2025 – Borrower ownership updated to 100% and expense ratio adjusted to 50%. Income used to qualify has been updated, and the condition has been cleared - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.49 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | GA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49017811 |  | D A C NA | Closed | FCRE3760 | 2025-10-29 14:54 | 2025-10-30 11:20 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Entity Formation Doc is missing | Resolved-Resolved-10/30/2025 - Entity Documents received. - Due Diligence Vendor-10/30/2025 <br> Counter-As per the uploaded document, we have name adoption certificate from xx to xx and later to xx. However operating agreement and formation document are uploaded for xx and xx. Please provide operating agreement for xx. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. The Formation document for xx is the Cert. of Org - Please see attached<br> EIN attached<br> I am locating the Good standings and will upload once I have it - Seller-10/29/2025 <br> Open-Borrower is closing as an Member of xx , But Good Standing certificate , Formation document & EIN document is missing in the file . - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. The Formation document for xx is the Cert. of Org - Please see attached<br> EIN attached<br> I am locating the Good standings and will upload once I have it - Seller-10/29/2025 | Resolved-Resolved-10/30/2025 - Entity Documents received. - Due Diligence Vendor-10/30/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.14% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.49 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01 |  | xx_Entity_docs.pdf<br> xx_xx_verif.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | GA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41817140 |  | D A NA | Closed | FCRE2109 | 2025-12-10 05:35 | 2025-12-10 18:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Lender Income Calculation Worksheet or Bank Statement Summary is missing | Resolved-Resolved - 12/10/2025 - Lender Calculation Income sheet Document Received. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Counter-Not Resolved - 12/10/2025 - Corrected 1008 Document is Missing. - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Income worksheet attached. Income was different than 1003 and 1008 so corrected 1003 and 1008 are also attached. Please clear condition. - Seller-12/10/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary According to guidelines Seller's income calculations or Vista Point's income calculation worksheet detailing income calculations must include in the file. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Ready for Review-Document Uploaded. Income worksheet attached. Income was different than 1003 and 1008 so corrected 1003 and 1008 are also attached. Please clear condition. - Seller-12/10/2025<br>| Resolved-Resolved - 12/10/2025 - Lender Calculation Income sheet Document Received. - Due Diligence Vendor-12/10/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.52 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.51 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.77 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xx - Income Calculation worksheet.pdf<br> xx - Corrected 1003.pdf<br> xx - Corrected 1003.pdf<br> 1008 - Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 40323444 |  | D A NA | Closed | FCRE7497 | 2025-11-12 13:49 | 2025-11-14 19:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved – 11/14/2025-Tax document received. - Due Diligence Vendor-11/15/2025 <br> Ready for Review-Document Uploaded. Please see taxes on Property Profile - Seller-11/13/2025 <br> Open-Tax Document is missing for the property #xx - Due Diligence Vendor-11/12/2025 | Ready for Review-Document Uploaded. Please see taxes on Property Profile - Seller-11/13/2025<br>| Resolved-Resolved – 11/14/2025-Tax document received. - Due Diligence Vendor-11/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.36 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.87 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 32.87 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.87 Years |  | xx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 44377229 |  | B A NA | Closed | FCRE1183 | 2025-12-12 07:57 | 2025-12-12 14:15 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 12/12/2025 - Updated 1008 document received. - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. - Seller-12/12/2025 <br> Open-1008/Underwriting Summary Partially Provided The audited Housing Expense Ratio of 14.32% and DTI of 41.04% do not match the Form 1008 values, which show a Housing Expense Ratio of 0% and a DTI of 26.709%. This discrepancy occurred because the lender did not use the borrower's primary housing expenses of xx, as reflected in the Final 1003 and the credit report. Due to this omission, the ratios on Form 1008 are incorrect. Please provide an updated Form 1008 with the correct ratios. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Resolved - 12/12/2025 - Updated 1008 document received. - Due Diligence Vendor-12/12/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.04% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.28 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.46 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years |  | 1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41426320 |  | D A NA | Closed | FCRE7497 | 2025-11-05 06:12 | 2025-11-05 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved-11/5/2025 - HOI Document Received. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Missing Insurance For Address # xx - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Resolved-11/5/2025 - HOI Document Received. - Due Diligence Vendor-11/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.79 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years |  | xx_xx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41426320 |  | D A NA | Closed | FCRE1503 | 2025-11-05 06:10 | 2025-11-05 16:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-11/5/2025 - Mortgage Statement Received. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Open-Mortgage Statement Missing For Address # xx #xx - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025<br>| Resolved-Resolved-11/5/2025 - Mortgage Statement Received. - Due Diligence Vendor-11/05/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.57 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.79 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17.08 Years |  | Mtg Stmt xx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 44303415 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xx | 41632213 |  | B A NA | Closed | FCRE1183 | 2025-12-04 15:27 | 2025-12-08 09:29 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 12/08/2025 - Updated 1008 document received. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-1008/Underwriting Summary Partially Provided The audited Housing Expense Ratio of 36.03% and DTI of 41.77% do not match the 1008 Housing Expense Ratio of 42.115% and DTI of 47.858%. This discrepancy occurred because the lender used the first-mortgage P&I with escrow totaling xx, as shown on the mortgage statement (page 463). The lender used twice the Tax & Insurance amount to calculate the Housing Ratio. Due to the discrepancy the ration is not matched with 1008. please provide updated 1008 with updated first-mortgage P&I and rations. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Resolved - 12/08/2025 - Updated 1008 document received. - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 776 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.31 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.77% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years |  | xx - Corrected 1008 - Transmittal Summary.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 43034265 |  | C A NA | Closed | INFI1056 | 2025-12-03 17:27 | 2025-12-04 16:40 | Resolved | 1 - Information C A | Credit | Assets | Assets are not sufficient to close | Resolved-Resolved - 12/04/2025 - Final settlement statement provided to verify the funds transfer of xx to title company. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Attached is the Final Settlement statement from loan xx against other property on mortgage that is being paid off (xx) showing xx funds transferred to this loan to help payoff mortgage with xx. The xx is the difference between transferred funds and cash to borrower. Please clear condition. - Seller-12/04/2025 <br> Open-In the final C/D, the cash to close is listed as xx (to borrower). It also shows a deposit of xx from the xx refinance, loan ID xx, but no supporting documentation has been provided to verify these funds. Additionally, the Asset screen shows the borrower's additional deposit as unverified, which results in a calculated cash-from-borrower requirement of xx. Please provide the necessary supporting documents to verify the assets. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. Attached is the Final Settlement statement from loan xx against other property on mortgage that is being paid off (xx) showing xx funds transferred to this loan to help payoff mortgage with xx. The xx is the difference between transferred funds and cash to borrower. Please clear condition. - Seller-12/04/2025 | Resolved-Resolved - 12/04/2025 - Final settlement statement provided to verify the funds transfer of xx to title company. - Due Diligence Vendor-12/04/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.28<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years |  | xx - FSS from loan xx xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 43034265 |  | C A NA | Closed | finding-47 | 2025-12-03 13:56 | 2025-12-04 11:44 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 12/04/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/04/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of 11/26/2025 - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/04/2025<br>| Resolved-Resolved 12/04/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 779 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.28<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 10 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 Years |  | PCCD.pdf<br> xx xx - FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49027785 |  | D A NA | Closed | FCRE7497 | 2025-12-10 13:32 | 2025-12-18 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - 12/18/2025 - Evidence of Tax & HOI documents are received for the REO property. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Tax stmt and insurance stmt attached for xx property along w/corrected 1003/1008. xx Mortgage not in borrower name is impounded so insurance not requested. Used amount from mtg stmt for T&I plus HOA verification. Please clear condition. - Seller-12/17/2025 <br> Open-For the REO property at xx, the loan file shows a mortgage payment of xx without escrow, but the corresponding taxes and insurance documents are missing.<br> Additionally, the insurance documentation for the property located at xx. is also missing from the loan file.<br> Please provide the missing documents for both properties. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. Tax stmt and insurance stmt attached for xx property along w/corrected 1003/1008. xx Mortgage not in borrower name is impounded so insurance not requested. Used amount from mtg stmt for T&I plus HOA verification. Please clear condition. - Seller-12/17/2025 | Resolved-Resolved - 12/18/2025 - Evidence of Tax & HOI documents are received for the REO property. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.32 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - xx EOI.pdf<br> xx - xx Tax Bill.pdf<br> xx - xx Mortgage not in borrower name impounded so insurance not requested. Used amount from mtg stmt for T&I plus HOA verification.pdf<br> xx - Updated 1003.pdf<br> xx - Updated 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 49027785 |  | D A NA | Closed | FCRE1183 | 2025-12-12 10:50 | 2025-12-18 09:44 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 12/18/2025 - Updated 1008 document received. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Corrections have been made, attached are the corrected 1003 and 1008. Please clear condition. - Seller-12/17/2025 <br> Open-1008/Underwriting Summary Partially Provided The audited Housing Expense Ratio of 28.54% and DTI of 44.64% do not match the Form 1008 values, which shows an Housing Expense Ratio of 23.601% and a DTI of 39.794%. This discrepancy occurred because the lender considered first mortgage payment for the Subject property is interest only amount of xx, Hence we need to consider the total P&I of xx provided in previous note page-21. Please provide an updated 1008 with the correct ratios and first mortgage P&I. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Corrections have been made, attached are the corrected 1003 and 1008. Please clear condition. - Seller-12/17/2025<br>| Resolved-Resolved - 12/18/2025 - Updated 1008 document received. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.32 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - Updated 1003.pdf<br> xx - Updated 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 49027785 |  | D A NA | Closed | FVAL9739 | 2025-12-12 10:42 | 2025-12-18 09:29 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Resolved - 12/18/2025 - Updated 1003 & 1008 document received to support the 1004 Appraisal. - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Corrections have been made, attached are the corrected 1003 and 1008 to support 1004 appraisal. Please clear condition. - Seller-12/17/2025 <br>Open-The loan file reflects 2 units on both the 1003 and 1008 forms. However, the appraisal provided is a 1004 (Single-Family). Please update and correct the 1003, 1008, and 1004 forms to ensure consistency across all documentation. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Corrections have been made, attached are the corrected 1003 and 1008 to support 1004 appraisal. Please clear condition. - Seller-12/17/2025<br>| Resolved-Resolved - 12/18/2025 - Updated 1003 & 1008 document received to support the 1004 Appraisal. - Due Diligence Vendor-12/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.03 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 820 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.08 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.33 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.32 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xx - Updated 1003.pdf<br> xx - Updated 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 46523901 |  | A NA | Closed | INFI1127 | 2025-11-18 07:43 | 2025-11-26 15:55 | Resolved | 1 - Information A | Credit | Missing Doc | Mortgage missing / unexecuted | Resolved- - Due Diligence Vendor-11/26/2025 <br> Rescinded-Resolved - 11/20/2025 - Post Close Closing Disclosure Document Received. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. Final CD and 1st pmt letter attached for new 1st on subject property. Please clear condition. - Seller-11/20/2025 <br> Open-Please provide the mortgage statement (1st lien information) for the subject property located at xx. - Due Diligence Vendor-11/20/2025 | Ready for Review-Document Uploaded. Final CD and 1st pmt letter attached for new 1st on subject property. Please clear condition. - Seller-11/20/2025<br>| Rescinded-Resolved - 11/20/2025 - Post Close Closing Disclosure Document Received. - Due Diligence Vendor-11/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04 |  | xx - Post Closing Closing Disclosure on new 1st - xx.pdf<br> xx - Post Closing Closing Disclosure on new 1st - xx.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Second Home | Refinance | Cash Out - Other | N/A | N/A |
| xx | 46468117 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 46112829 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | UT | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 45577233 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | UT | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 42526310 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | NV | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 41811186 |  | D A C NA | Closed | finding-47 | 2025-11-26 15:08 | 2025-12-04 12:06 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 12/04/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-12/01/2025 <br> Open- - Due Diligence Vendor-11/26/2025 <br> Open- - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Resolved 12/04/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/04/2025 <br> Resolved- - Due Diligence Vendor-12/04/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 41811186 |  | D A C NA | Closed | FCRE1325 | 2025-12-01 10:02 | 2025-12-02 09:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Resolved - 12/02/2025 - Operating Agreement is Received to verify the Borrower Ownership. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. Company Operating Agreement attached verifying ownership %. Please clear condition. - Seller-12/01/2025 <br>Open-Borrower 1 CPA Letter Missing The CPA letter for Borrower 1 is missing, which is necessary to verify their 48.75% ownership in the business. The Business Narrative on page 504 lists the ownership as 50%, but both the 1008 form and the income calculation sheet reflect the ownership as 48.75%. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. Company Operating Agreement attached verifying ownership %. Please clear condition. - Seller-12/01/2025<br>| Resolved-Resolved - 12/02/2025 - Operating Agreement is Received to verify the Borrower Ownership. - Due Diligence Vendor-12/02/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 782 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xx - Operating Agreement verifying ownership percentage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xx | 48368339 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 43432254 |  | D A NA | Closed | FCRE1503 | 2025-12-16 14:21 | 2025-12-18 09:16 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 12/18/2025 - Mortgage statements Received. - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. 1st and 2nd mtg stmt on subject attached. There is no mortgage for private party 3rd but see attached copy of Note. For xx property UW accepted 1st payment letter and email from lender verifying 1st payment made on time also attached. Please clear condition. - Seller-12/17/2025 <br> Open-For the Following Property Mortgage Statement is Missing:<br> xx (xx),xx<br> xx. Final CD provided at page 463. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. 1st and 2nd mtg stmt on subject attached. There is no mortgage for private party 3rd but see attached copy of Note. For xx property UW accepted 1st payment letter and email from lender verifying 1st payment made on time also attached. Please clear condition. - Seller-12/17/2025 | Resolved-Resolved - 12/18/2025 - Mortgage statements Received. - Due Diligence Vendor-12/18/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.64 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.67 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xx - 1st and 2nd mtg statements on subject property.pdf<br> xx - No mtg statement on 3rd mtg on subject property but attached is copy of Note.pdf<br> xx - No mtg statement on xx see 1st pmt letter and lender email confirming xx payment made.pdf<br> xx - No mtg statement on xx see 1st pmt letter.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47341119 |  | C A NA | Closed | finding-47 | 2025-12-08 09:56 | 2025-12-09 15:39 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 12/09/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/09/2025 <br> Resolved- - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Please see FSS and PCCD uploaded to other condition :) - Seller-12/09/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of xx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 <br> Open- - Due Diligence Vendor-12/08/2025 | Ready for Review-Please see FSS and PCCD uploaded to other condition :) - Seller-12/09/2025<br>| Resolved-Resolved 12/09/2025: Received PCCD with funding date xx and exception was cleared.<br> - Due Diligence Vendor-12/09/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.36 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 47341119 |  | C A NA | Closed | FCRE1178 | 2025-12-05 15:50 | 2025-12-09 12:22 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Effective Date is after the Note Date | Resolved-Resolved - 12/09/2025 - Since the final C/D disbursement date is xx, this condition is no longer required. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. Please see attached :) - Seller-12/09/2025 <br> Open-Other Property Insurance Policy Effective Date of xx is after the Note Date of xx - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached :) - Seller-12/09/2025<br>| Resolved-Resolved - 12/09/2025 - Since the final C/D disbursement date is xx, this condition is no longer required. - Due Diligence Vendor-12/09/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.36 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Closing Disclosure - xx PCCD.pdf<br> FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 45760155 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 46082015 |  | C A NA | Closed | FCRE1193 | 2025-11-26 06:58 | 2025-12-03 19:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Resolved - 12/03/2025 - The latest bank statement was provided to calculate asset depletion income, which was used to reduce the DTI. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. Attached is updated asset allowance worksheet including xx statement increasing Asset Allowance income to bring DTI below 50%. Attached is also updated 1003 and 1008 to reflect changes including increase in property taxes to impounded 1st mtg payment. Please clear condition. - Seller-12/03/2025 <br> Open-Audited DTI of 50.03% exceeds Guideline DTI of 50% The audited DTI of 50.03% exceeds the guideline DTI of 50% due to a slight increase in the tax amount compared to the previous year. In 2024, the borrower paid xx, while the latest document for 2025-2026 reflects a tax payment of xx, resulting in the DTI variance is 49.936% to 50.03%. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Attached is updated asset allowance worksheet including xx statement increasing Asset Allowance income to bring DTI below 50%. Attached is also updated 1003 and 1008 to reflect changes including increase in property taxes to impounded 1st mtg payment. Please clear condition. - Seller-12/03/2025 | Resolved-Resolved - 12/03/2025 - The latest bank statement was provided to calculate asset depletion income, which was used to reduce the DTI. - Due Diligence Vendor-12/04/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.50 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.45 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.05 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xx - Brokerage Statement_xx_xx.pdf<br> xx - Brokerage Statement_xx_xx.pdf<br> xx - Updated Asset Allowance Worksheet.pdf<br> xx - Updated Asset Allowance Worksheet.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 44222982 |  | B A NA | Closed | FCRE1197 | 2025-12-26 09:55 | 2025-12-29 13:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Open-Audited FICO of 643 is less than Guideline FICO of 680 Exception required due to using FICO score of 687 instead of middle of the lower two scores. - Due Diligence Vendor-12/26/2025 |  |  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.75 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15.74 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.75 Years | \* Compensating Factors<br> \* (Refi) 5+ years in the subject property ownership<br> \* 5+ years on job/self-employed<br> \* Ancillary/rental income not used for qualifying<br> \* 0x30x12+ Mortgage history<br> \* 5+ years established credit history<br> \* Reserves > minimum requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | TN | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xx | 47435385 |  | C A NA | Closed | FCOM4227 | 2025-11-25 00:33 | 2025-11-25 17:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 11/25/2025: Received Initial Closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-11/25/2025 <br>Ready for Review-Document Uploaded. - Seller-11/25/2025 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-11/25/2025 | Ready for Review-Document Uploaded. - Seller-11/25/2025<br>| Resolved-Resolved 11/25/2025: Received Initial Closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-11/25/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.97 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xx Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | Signed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | UT | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41425262 |  | B A | Closed | FCRE1325 | 2025-12-08 17:13 | 2025-12-08 17:13 | Waived | 2 - Non-Material B | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Waived-Borrower 1 CPA Letter Missing Requesting exception to use government stamped articles of incorporation, shareholder agreement and Certificate of good standing in lieu of a CPA letter and business license. - Due Diligence Vendor-12/08/2025 |  | Waived-Borrower 1 CPA Letter Missing Requesting exception to use government stamped articles of incorporation, shareholder agreement and Certificate of good standing in lieu of a CPA letter and business license. - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.89 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 757 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.90 Years | 1) Established Business<br> 2) Fico 757 w/required 680<br> 3) CLTV xx w/Max 70%<br> 4) Good mortgage payment history 0x30<br> 5) 11 months reserves w/none required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xx | 42128877 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 43157513 |  | C A NA | Closed | FCRE1317 | 2025-12-04 11:19 | 2025-12-04 15:37 | Resolved | 1 - Information C A | Credit | Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Resolved – 12/04/2025: Two years of employment verification has been provided. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-This loan was supposed to be 12 mo full doc vs 24 mos indicated on bid tape. Please clear condition. - Seller-12/04/2025 <br> Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months The Final 1003 lists the borrower's current employment start date as xx. The previous employment shows "xx and designation as xx," but no supporting documents have been provided to verify 24+ months of continuous employment. - Due Diligence Vendor-12/04/2025 | Ready for Review-This loan was supposed to be 12 mo full doc vs 24 mos indicated on bid tape. Please clear condition. - Seller-12/04/2025<br>| Resolved-Resolved – 12/04/2025: Two years of employment verification has been provided. - Due Diligence Vendor-12/04/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xx | 49179558 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | FL | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 49789461 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40123609 |  | B A | Closed | FCRE1183 | 2025-12-05 06:29 | 2025-12-08 14:46 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 12/08/2025 - Updated 1008 document received. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-1008/Underwriting Summary Partially Provided - DTI mismatches with 1008 vs Final Loan Approval and Tape Data. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Resolved - 12/08/2025 - Updated 1008 document received. - Due Diligence Vendor-12/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 97.84 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 743 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | 1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xx | 41261496 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 41042736 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |
| xx | 40038299 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xx | CA | Investment | Refinance | Cash Out - Other |  |  |
| xx | 40464249 |  | A NA |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xx | CA | Primary Residence | Refinance | Cash Out - Other |  |  |

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 3**

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| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xx | 40166429 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xx | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46302955 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48013354 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41558844 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47008710 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43058182 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46052056 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42438615 |  |  | xx | xx |  | xx | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41142646 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46438927 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40620415 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46121411 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44186564 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42536937 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45359778 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42311389 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43437038 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43815176 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46382567 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42323679 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45775622 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40008471 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xx | VeroValue AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40270930 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42882488 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41494124 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | xx | -.0357 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | xx | -.0357 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40402183 |  |  | xx | xx |  | 0 | xx | xx | 1025 Small Residential Income Report | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40801076 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48739142 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49949115 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49390609 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47462446 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42344883 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42509241 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46223680 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49960947 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49690134 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44070906 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40001264 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46273561 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43880813 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45940379 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49676032 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45281752 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45961937 |  |  | xx | xx | 0 | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43461076 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47034147 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41848389 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Moderate Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49017811 |  |  | xx | xx | 0 | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41817140 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40323444 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44377229 |  |  | xx | xx | 0 | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41426320 |  |  | xx | xx | 0 | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44303415 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41632213 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43034265 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49027785 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46523901 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46468117 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46112829 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45577233 |  |  | xx | xx |  | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42526310 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41811186 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 48368339 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43432254 |  |  | xx | xx | 0 | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47341119 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 45760155 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 46082015 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 44222982 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 47435385 |  |  | xx | xx |  | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41425262 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  | xx | xx | .1486 | xx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 42128877 |  |  | xx | xx | 0 | 0 | xx | xx | AVM |  |  | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 43157513 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49179558 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 49789461 |  |  | xx | xx |  | 0 | xx | xx | 1073 Individual Condo Report | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40123609 |  |  | xx | xx | 0 | xx | xx | xx | 1004 URAR | xx | xx | xx | xx | xx | xx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 0.0 | .0000 | xx | Low Risk | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41261496 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 41042736 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40038299 |  |  | xx | xx | 0 | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx | 40464249 |  |  | xx | xx |  | 0 | xx | xx | 1004 URAR | xx | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xx | 42344883 |  |  | xx | Verified Doc Type | employmentIncomePage | 1YR Full Doc | 1 Year Alt Doc | Verified that the borrower's income documentation was 1 year tax returns. |
| xx | 40323444 |  |  | xx | Business Purpose Flag | complianceDetailPage | Yes | No | Verified that the use of proceeds are for a business purpose and not a consumer purpose. |
| xx | 46523901 |  |  | xx | CLTV | propertyValuationPage | xx | xx | Verified that the correct appraised value is xx resulting in an LTV of xx |
| xx | 46523901 |  |  | xx | Primary Appraised Property Value | propertyValuationPage | xx | xx | Verified that the occupancy is second home and not owner-occupied. Borrower lives at xx which is not the subject property located in xx. |
| xx | 46523901 |  |  | xx | Occupancy | the1003Page | Second Home | OwnerOccupied | Verified that the correct appraised value is xx resulting in an LTV of xx |
| xx | 47341119 |  |  | xx | Qualifying FICO | creditLiabilitiesPage | 757 | 754 | Verified that the correct Qualifying FICO Score is 757. |
| xx | 47341119 |  |  | xx | Verified Doc Type | employmentIncomePage | 1YR Full Doc | 1 Year Alt Doc | Verified that the borrower's income documentation was 1 year tax returns. |
| xx | 41425262 |  |  | xx | Interest Rate | notePage | 8 | 0 | Verified that the interest is 8% per the promisssory note and not 0% per the tape. |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| xx | 40166429 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.85% | 44.85% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Military and Government Assistance, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | HI | xx | xx | 06/04/2025 | 06/04/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46302955 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4140 | 12/08/2025 | 6.220% |  |  | No | 7.991% |  | 7.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 19.62% | 19.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 09/05/2025 | 09/05/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 62.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 48013354 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10630 | 08/18/2025 | 6.610% |  |  | No | 10.215% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 07/14/2025 | 07/14/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 16.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41558844 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.069 | 1.07 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 07/23/2025 | 07/23/2025 |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 42.3 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 47008710 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 32.79% | 32.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 08/11/2025 | 08/11/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 25 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 43058182 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 51.78% | 51.78% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 99.90% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 05/20/2025 | 05/20/2025 | 05/20/2025 |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 47.8 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 46052056 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23324 | 09/15/2025 | 6.320% |  |  | No | 8.736% |  | 8.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.50% | 48.50% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 5 | 5 | FNMA 1005 | No | 0 |  | N/A | Borrower - N/A - Executed 4506T Verified \|\| Co Borrower - Wage, Overtime and Bonus, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 11.4 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 42438615 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6272 | 08/25/2025 | 6.630% |  |  | No | 8.198% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.19% | 44.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Balance Sheet Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - 2024 - 2024 | xx | xx | HI | xx | xx | 07/23/2025 | 07/23/2025 |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 56 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41142646 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | NV | xx | xx | Annually | 0.00% | 46.90% | 46.90% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2025, 2024, 2023 | xx | xx | NV | xx | xx | 06/20/2025 | 06/20/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46438927 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13665 | 08/11/2025 | 6.630% |  |  | No | 10.387% |  | 10.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 30.78% | 30.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 304 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | MD | xx | xx | 08/07/2025 | 08/07/2025 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 51.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40620415 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 12.01% | 12.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | W2/1099 Verified | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | xx | xx | CA | xx | xx | 08/06/2025 | 08/06/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 10.5 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 46121411 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 32.43% | 32.43% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 08/12/2025 | 08/12/2025 | 08/12/2025 |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xx | 5.4 | xx | 28.6 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 44186564 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7483 | 08/18/2025 | 6.610% |  |  | No | 11.086% |  | 10.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.31% | 42.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(N/A), CPA Letter Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(N/A), Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024 - 2024 | xx | xx | CA | xx | xx | 06/28/2025 | 06/28/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 28.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42536937 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12102.5 | 08/25/2025 | 6.630% |  |  | No | 8.064% |  | 7.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 13.40% | 13.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 08/05/2025 | 08/05/2025 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 13.8 | xx | 13.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45359778 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.553 | 1.553 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | FL | xx | xx | 08/01/2025 | 08/01/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 12.5 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 42311389 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14802.5 | 09/08/2025 | 6.540% |  |  | No | 9.141% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 20.21% | 20.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 266 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | xx | xx | CA | xx | xx | 07/10/2025 | 07/10/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 21.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43437038 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A | 10265 | 09/08/2025 | 6.540% |  |  | No | 0.000% |  | 9.000% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | CA | xx | xx | Monthly | 0.00% | 42.48% | 42.48% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Balance Sheet Verified, Business Bank Statements Verified, Lease Agreements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 09/22/2025 | 09/22/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 40.9 | No | xx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 43815176 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4257.5 | 10/06/2025 | 6.310% |  |  | No | 9.073% |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 42.40% | 42.40% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | W2/1099 Verified | 1 | 1 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | Yes | 44 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 10/02/2025 | 10/02/2025 | 10/02/2025 |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | xx | 6.3 | xx | 6.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 46382567 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9665 | 09/08/2025 | 6.540% |  |  | No | 8.479% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 47.76% | 47.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | FL | xx | xx | 09/12/2025 | 09/12/2025 |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 31.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 42323679 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.179 | 1.179 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | MD | xx | xx | 07/31/2025 | 07/31/2025 | 07/31/2025 |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Permanent Resident Card | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 41.6 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| xx | 45775622 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8290 | 09/15/2025 | 6.320% |  |  | No | 8.317% |  | 8.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 44.58% | 44.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 228 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | CA | xx | xx | 08/25/2025 | 08/25/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 42.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 40008471 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.14% | 44.14% | Yes | Yes | 1 - Not Stated Not Verified |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Retired | Not Employed | Employed |  | 22.04 |  | 2YR Full Doc | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - 2025, 2024 \|\| Co Borrower - N/A - Executed 4506T Verified, Lease Agreements Verified \|\| Co Borrower 2 - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 08/26/2025 | 08/26/2025 | 08/26/2025 | 08/26/2025 |  | 791 | 791 | 835 | 791 |  |  |  | 791 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | United States | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 20.9 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| xx | 40270930 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10997.5 | 09/08/2025 | 6.540% |  |  | No | 8.519% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Annually | 0.00% | 20.09% | 20.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/02/2025 | 09/02/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 38.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42882488 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10870 | 09/08/2025 | 6.540% |  |  | No | 9.236% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.53% | 48.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 90.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 130 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | xx | xx | FL | xx | xx | 09/19/2025 | 09/19/2025 |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 15 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41494124 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.375% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 47.21% | 47.21% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 501 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 08/14/2025 | 08/14/2025 | 08/14/2025 |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 45.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 40402183 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.155 | 1.155 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 07/14/2025 | 07/14/2025 |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 58 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40801076 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15585 | 09/22/2025 | 6.220% |  |  | No | 8.250% |  | 7.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.07% | 44.07% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 264 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 09/05/2025 | 09/05/2025 | 09/05/2025 |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 23.6 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 48739142 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13040 | 09/29/2025 | 6.310% |  |  | No | 11.081% |  | 10.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.33% | 48.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/05/2025 | 09/05/2025 |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 8.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49949115 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9532.5 | 09/29/2025 | 6.310% |  |  | No | 10.230% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 10.05% | 10.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | AZ | xx | xx | 09/09/2025 | 09/09/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 70.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49390609 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16310 | 09/15/2025 | 6.320% |  |  | No | 8.574% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 26.46% | 26.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/11/2025 | 09/11/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 0 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47462446 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 10.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.451 | 1.35 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CO | xx | xx | 07/01/2025 | 07/01/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 25 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42344883 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9418.75 | 11/03/2025 | 6.170% |  |  | No | 8.045% |  | 7.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | HI | xx | xx | Monthly | 0.00% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 9 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 | xx | xx | HI | xx | xx | 09/08/2025 | 09/08/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 55.2 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 42509241 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 49.98% | 49.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 53 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 09/12/2025 | 09/12/2025 |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 29.9 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46223680 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13283 | 09/29/2025 | 6.310% |  |  | No | 8.093% |  | 7.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 26.09% | 26.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 09/12/2025 | 09/12/2025 |  |  |  | 808 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 22.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49960947 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15572.5 | 10/13/2025 | 6.290% |  |  | No | 8.486% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | FL | xx | xx | Annually | 0.00% | 34.79% | 34.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 32 | CPA |  |  |  | Yes | 41 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | xx | xx | FL | xx | xx | 09/15/2025 | 09/15/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 11.4 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49690134 |  |  | xx | xx | xx | No | xx | xx | xx | v2025_07_2nd | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10290 | 09/15/2025 | 6.320% |  |  | No | 9.114% |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.70% | 40.70% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 69 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 \|\| Co Borrower - N/A | Borrower - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 08/18/2025 | 08/18/2025 | 09/04/2025 |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 12.5 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 44070906 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5727.5 | 10/06/2025 | 6.310% |  |  | No | 9.923% |  | 9.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Annually | 0.00% | 39.85% | 39.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 34 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 09/05/2025 | 09/05/2025 |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 24.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40001264 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7415 | 09/29/2025 | 6.310% |  |  | No | 8.337% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 47.90% | 47.90% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | ALT DOC | 1 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - N/A | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 09/16/2025 | 09/16/2025 | 09/16/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | xx | 61.8 | xx | 111.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 46273561 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5335 | 11/10/2025 | 6.260% |  |  | No | 10.687% |  | 10.125% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | CA | xx | xx | Monthly | 0.00% | 46.60% | 46.60% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 43.47% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 08/15/2025 | 08/15/2025 | 08/15/2025 |  |  | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 21 | No | xx | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 43880813 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9377.5 | 09/22/2025 | 6.220% |  |  | No | 10.587% |  | 10.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.05% | 40.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 32 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/02/2025 | 09/02/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 28.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45940379 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.18 | 1.18 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | NC | xx | xx | 09/04/2025 | 09/04/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 6 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 49676032 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7090 | 10/06/2025 | 6.310% |  |  | No | 10.101% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.07% | 40.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 84.16% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 81 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/22/2025 | 09/22/2025 |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 44.6 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45281752 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4791.6 | 10/27/2025 | 6.160% |  |  | No | 9.837% |  | 9.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CO | xx | xx | Annually | 0.00% | 41.90% | 41.90% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 63.21% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 18 | 18 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | xx | xx | CO | xx | xx | 10/17/2025 | 10/17/2025 | 10/17/2025 |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 2.3 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 45961937 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 50.58% | 50.58% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 80.72% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 94 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/24/2025 | 09/24/2025 |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 30.2 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 43461076 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9770 | 10/13/2025 | 6.290% |  |  | No | 10.116% |  | 9.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | $0.00 | $5679.11 | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 25.73% | 25.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 08/20/2025 | 08/20/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 10.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47034147 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6790 | 10/13/2025 | 6.290% |  |  | No | 9.160% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.98% | 36.98% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 83 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | xx | xx | AZ | xx | xx | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 4.9 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 41848389 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7950 | 10/13/2025 | 6.290% |  |  | No | 9.956% |  | 9.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.73% | 33.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | TN | xx | xx | 08/11/2025 | 08/11/2025 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 15.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 49017811 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | GA | xx | xx | Annually | 0.00% | 25.14% | 25.14% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | GA | xx | xx | 09/30/2025 | 09/30/2025 |  |  |  | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xx | 1.7 | xx | 7.4 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 41817140 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12393.8 | 11/03/2025 | 6.170% |  |  | No | 9.307% |  | 9.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 21.76% | 21.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 20 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 10/02/2025 | 10/02/2025 |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 61.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40323444 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 48.15% | 48.15% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 226 | Yes | 226 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/29/2025 | 09/29/2025 | 09/29/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 24.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 44377229 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | CA | xx | xx | Monthly | 0.00% | 41.04% | 41.04% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 88 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 10/01/2025 | 10/01/2025 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 28.3 | No | xx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41426320 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.07% | 42.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 105 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 08/22/2025 | 08/22/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 20.6 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 44303415 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6785 | 10/20/2025 | 6.240% |  |  | No | 8.844% |  | 8.625% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 49.32% | 49.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 09/12/2025 | 09/12/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 4.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 41632213 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4488.64 | 11/03/2025 | 6.170% |  |  | No | 8.779% |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.77% | 41.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 10/06/2025 | 10/06/2025 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 56.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 43034265 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5147.5 | 11/10/2025 | 6.260% |  |  | No | 8.148% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.48% | 49.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 61 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 10/06/2025 | 10/06/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 11.7 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 49027785 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14960 | 11/10/2025 | 6.260% |  |  | No | 8.503% |  | 8.250% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.66% | 48.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 123 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 08/29/2025 | 08/29/2025 |  |  |  | 820 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 47 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46523901 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9290 | 10/27/2025 | 6.160% |  |  | No | 8.772% |  | 8.625% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.00% | 49.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 21 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | FL | xx | xx | 08/20/2025 | 08/20/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA PATRIOT ACT | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 0 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46468117 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13085 | 10/13/2025 | 6.290% |  |  | No | 8.446% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | FL | xx | xx | Monthly | 0.00% | 18.43% | 18.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | FL | xx | xx | 09/19/2025 | 09/19/2025 |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 42 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 46112829 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6370 | 11/03/2025 | 6.170% |  |  | No | 9.086% |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.07% | 49.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | UT | xx | xx | 10/08/2025 | 10/08/2025 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 53 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45577233 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6235 | 11/17/2025 | 6.230% |  |  | No | 8.458% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.06% | 41.06% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 94 | Yes | 94 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | UT | xx | xx | 10/16/2025 | 10/16/2025 | 10/16/2025 |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 44.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 42526310 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 25210 | 10/20/2025 | 6.240% |  |  | No | 8.198% |  | 7.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | NV | xx | xx | Monthly | 0.00% | 47.31% | 47.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | NV | xx | xx | 09/18/2025 | 09/18/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | .00 | 0 | xx | 64.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 41811186 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10290 | 10/27/2025 | 6.160% |  |  | No | 7.893% |  | 7.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 28.62% | 28.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 48.75% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 10/22/2025 | 10/22/2025 |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 68 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 48368339 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17670.75 | 10/27/2025 | 6.160% |  |  | No | 8.167% |  | 7.875% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Monthly | 0.00% | 45.13% | 45.13% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 38.63% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 103 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | xx | xx | CA | xx | xx | 10/21/2025 | 10/21/2025 | 10/21/2025 |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Usa Patriot Act | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 33.2 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 43432254 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 175 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 12/05/2025 | 12/05/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 12.7 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 47341119 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7040 | 11/10/2025 | 6.260% |  |  | No | 7.883% |  | 7.750% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | CA | xx | xx | Annually | 0.00% | 47.83% | 47.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Asset Depletion - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1065, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | xx | xx | CA | xx | xx | 10/24/2025 | 10/24/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 1.5 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 45760155 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6835 | 11/17/2025 | 6.230% |  |  | No | 8.043% |  | 7.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 39.81% | 39.81% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 239 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - N/A | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | xx | xx | CA | xx | xx | 10/22/2025 | 10/22/2025 | 10/22/2025 |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 33.6 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 46082015 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8692.5 | 11/10/2025 | 6.260% |  |  | No | 8.361% |  | 7.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.68% | 49.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 84 | No | Yes | Yes | 0 | 12 | No |  |  |  | 64.77% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Asset Depletion - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 10/21/2025 | 10/21/2025 |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 49.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 44222982 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 5550.2 | 11/10/2025 | 6.260% |  |  | No | 10.130% |  | 9.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 29.11% | 29.11% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 180 | Yes | 180 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | TN | xx | xx | 11/20/2025 | 11/20/2025 | 11/20/2025 |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 28 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xx | 47435385 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3917.13 | 11/03/2025 | 6.170% |  |  | No | 8.726% |  | 8.500% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | N/A | xx | UT | xx | xx | Monthly | 0.00% | 48.78% | 48.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 10 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | xx | xx | UT | xx | xx | 09/27/2025 | 09/27/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 64 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41425262 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 4960 | 11/17/2025 | 6.230% |  |  | No | 8.127% |  | 8.000% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.81% | 48.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xx | xx | FL | xx | xx | 10/07/2025 | 10/07/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 12.1 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xx |  |  |  |
| xx | 42128877 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.875% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.252 | 1.24 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 10/29/2025 | 10/29/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 36.7 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 43157513 |  |  | xx | xx | xx | No | xx | xx | xx | 1 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20826.88 | 11/10/2025 | 6.260% |  |  | No | 8.847% |  | 8.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 47.18% | 47.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 11/03/2025 | 11/03/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 9.8 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49179558 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6452.5 | 11/24/2025 | 6.260% |  |  | No | 7.979% |  | 7.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.94% | 42.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 2 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | xx | xx | FL | xx | xx | 11/04/2025 | 11/04/2025 |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 64.9 | No | xx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 49789461 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6403.75 | 11/24/2025 | 6.260% |  |  | No | 8.642% |  | 8.250% |  | xx | No | xx | xx | xx | xx | xx | xx | xx | xx | $0.00 | Yes | xx | CA | xx | xx | Monthly | 0.00% | 47.95% | 47.95% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 84 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 52.05% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 106 | No | 0 | NA | 0 | 0 | N/A | Yes | 95 | 34 | Other | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Commission, Asset Depletion - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | xx | xx | CA | xx | xx | 11/07/2025 | 11/07/2025 | 11/07/2025 |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 1.9 | No | xx | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 40123609 |  |  | xx | xx | xx | No | xx | xx | xx | v2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.67% | 40.67% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | xx | xx | CA | xx | xx | 11/03/2025 | 11/03/2025 |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xx | 54.5 | xx | 97.8 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 41261496 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.750% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.316 | 1.316 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xx | xx | CA | xx | xx | 10/23/2025 | 10/23/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xx | 15 | No | xx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xx | 41042736 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7085 | 11/24/2025 | 6.260% |  |  | No | 7.636% |  | 7.375% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.31% | 42.31% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 84 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 280 | 34 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - N/A - 2 YRS W2 1099 Verified | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 11/16/2025 | 11/16/2025 | 11/16/2025 |  |  | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xx | 256.7 | xx | 301.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |
| xx | 40038299 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 45.69% | 45.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 69.07% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | xx | xx | CA | xx | xx | 11/22/2025 | 11/22/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 38.4 | No | xx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xx | 40464249 |  |  | xx | xx | xx | No | xx | xx | xx | V2 | xx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13085 | 12/08/2025 | 6.220% |  |  | No | 8.331% |  | 8.125% |  | xx | No | xx | xx | xx | xx | $0.00 | $0.00 | xx | xx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 12.62% | 12.62% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | xx | xx | CA | xx | xx | 10/08/2025 | 10/08/2025 | 10/08/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xx | xx | xx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xx | 26.7 | No | xx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xx | xx |  |  |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.4 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Dummy ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| xx | 40166429 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 46302955 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4140 | 7.991 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 48013354 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 10630 | 10.215 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41558844 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 47008710 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 43058182 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Unknown | No | No | Yes | Present |
| xx | 46052056 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 23324 | 8.736 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Not Employed | Employed | No | No | No |  |
| xx | 42438615 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6272 | 8.198 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41142646 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 46438927 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 13665 | 10.387 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40620415 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 46121411 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Employed | No | No | Yes | Present |
| xx | 44186564 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7483 | 11.086 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42536937 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12102.5 | 8.064 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45359778 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 42311389 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 14802.5 | 9.141 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 43437038 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  | No | No | No | No | No | No | No | No | No | No | No | 10265 |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 43815176 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4257.5 | 9.073 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 46382567 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 9665 | 8.479 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42323679 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| xx | 45775622 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 8290 | 8.317 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40008471 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Retired | Not Employed | No | No | Yes | Present |
| xx | 40270930 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10997.5 | 8.519 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42882488 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 10870 | 9.236 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41494124 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Unknown | No | No | Yes | Present |
| xx | 40402183 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 40801076 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 15585 | 8.25 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |
| xx | 48739142 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 13040 | 11.081 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49949115 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9532.5 | 10.23 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49390609 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 16310 | 8.574 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 47462446 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 42344883 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9418.75 | 8.045 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42509241 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 46223680 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13283 | 8.093 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49960947 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 15572.5 | 8.486 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49690134 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10290 | 9.114 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xx | 44070906 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5727.5 | 9.923 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40001264 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7415 | 8.337 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xx | 46273561 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5335 | 10.687 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 43880813 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9377.5 | 10.587 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45940379 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 49676032 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7090 | 10.101 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45281752 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 4791.6 | 9.837 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 45961937 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 43461076 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 9770 | 10.116 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 47034147 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | 6790 | 9.16 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |
| xx | 41848389 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 7950 | 9.956 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49017811 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 41817140 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 12393.8 | 9.307 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 40323444 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | Employed | Employed | No | No | Yes | Present |
| xx | 44377229 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 41426320 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 44303415 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6785 | 8.844 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41632213 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 4488.64 | 8.779 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 43034265 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 5147.5 | 8.148 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49027785 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 14960 | 8.503 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | Yes | Employed |  | No |  | No |  |
| xx | 46523901 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 9290 | 8.772 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 46468117 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13085 | 8.446 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 46112829 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 6370 | 9.086 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45577233 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6235 | 8.458 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 42526310 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 25210 | 8.198 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41811186 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 10290 | 7.893 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 48368339 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 17670.75 | 8.167 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 43432254 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 47341119 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 7040 | 7.883 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 45760155 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6835 | 8.043 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xx | 46082015 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 8692.5 | 8.361 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 44222982 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | 5550.2 | 10.13 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 47435385 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 3917.13 | 8.726 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 41425262 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 4960 | 8.127 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 42128877 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 43157513 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | 20826.88 | 8.847 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49179558 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 6452.5 | 7.979 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xx | 49789461 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | 6403.75 | 8.642 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xx | 40123609 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 41261496 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xx | 41042736 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 7085 | 7.636 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xx | 40038299 |  |  | xx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xx | 40464249 |  |  | xx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | 13085 | 8.331 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5**

**EXECUTIVE SUMMARY**

VSTA 2026-CES1

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Vista Point Mortgage, LLC, (the "Client"). The Review was conducted from September 2025 to December 2025 on mortgage loans originated from September 2025 to December 2025.

The Review consisted of 100% of the population of 6 loans with an original aggregate loan balance of $2,462,500.00.

**Scope of Review**

**Credit Review**

MaxDiligence performed a "Credit Review" to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the information in the preliminary Loan application, final application,
and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is Complete, Signed, Dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit conditions have been satisfied prior to closing the approved Loan
package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt to income ratio ("DTI") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of debt service coverage ratio ("DSCR") calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of Hazard coverage and verification that sufficient coverage was in place on subject
and all premiums were included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was in
file, if applicable, and coverage was sufficient, and premium was included in DSCR

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review of Rental income and /or market
rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met guidelines

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed in accordance with approval and with all required signatures and NMLS
identifiers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending
TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, excluding investment properties or business purpose loans, as set forth
below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated based on the applicable investor
guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing
and Urban Development

![](ex995001.jpg)

(24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence will review applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage
loan's originator designation of QM, Non-QM, or exempt from ATR. (MaxDiligence determines the mortgage loan's status
under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, MaxDiligence notes as a
material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally,
MaxDiligence notes if an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor, Temporary QM, Non-QM,
QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, MaxDiligence reviews the mortgage loan to determine
whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features
and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable
QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets
at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the
time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This
portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of
each source.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If a mortgage loan was designated as QM, MaxDiligence reviews the mortgage loan to determine whether, based on available information
in the mortgage loan file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, MaxDiligence then determines
whether the mortgage loan is a Safe Harbor QM or QM Rebuttable Presumption by comparing the mortgage loan's actual annual
percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also
includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and
Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, MaxDiligence then
determines whether the mortgage loan complies with the ATR rule consideration and verification requirements, as defined within
the applicable underwriting guidelines, and provides a due diligence designation of Non-QM indicating compliant, ATR risk indicating
it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the
creditor considered, as applicable, the following eight underwriting factors, and will verify such information using reasonably
reliable third-party records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required to close and required reserves,
to Confirm that the borrower has

![](ex995001.jpg)

current or reasonably expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used to calculate projected monthly
mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI") calculation,
to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations - Validate that the subject Loan monthly payment calculation includes principle, interest, taxes,
and insurance ("PITI"), as well as other costs related to the property such as homeowners' association ("HOA")
fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate debt-to-income ratio (DTI), or "residual income," based upon all mortgage and
non-mortgage obligations, calculated as a ratio of gross monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History - Review credit report for credit history and required credit depth, including any / all inquiries, and Determine
a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Valuation Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review included a review of the valuation materials utilized during the origination of the loan and in
confirming the value of the underlying property. MaxDiligence's review included verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate GSE form:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. All elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage
the lender per Title XI of FIRREA, or if the appraisal was performed for another lender, the file contains a transfer letter from
the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The original appraisal report is made and signed prior to the final approval of the mortgage loan application; Any revisions,
if made known to MaxDiligence, to the original report are documented and dated completed and dated within the guideline's
restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received including all inspections, licenses, and certificates (including
certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with

![](ex995001.jpg)

respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a
third-party valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence will recommend a
BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's review will (a) review the relative comparable data (gross
and net adjustments, sale dates and distance from subject property) and ensure that such comparable properties are within standard
appraisal guidelines; (b) confirm the property value and square footage of the subject property was bracketed by comparable properties,
(c verify that comparable properties used are similar in size, style, and location to the subject, and (d) check for the reasonableness
of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review include (i) verifying that the address matched the mortgage note, ((ii) if requested,
noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same,
(iii) confirming the appraisal report does not include any apparent environmental problems, (iv) confirming the appraisal notes
the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the
property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one
for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the value product
that was used as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will confirm consistency among the valuation products and if there are
discrepancies that could not be resolved, MaxDiligence will create an exception and work with the client on the next steps which
may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full
appraisals. If the property valuation products included in MaxDiligence's review result in a variance of more than 10% then
the client will be notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence will confirm to the extent possible, that the appraiser and the appraisal made by such appraiser both satisfied
the requirements of Title XI of FIRREA. Specifically, MaxDiligence will review the appraisal for conformity to industry standards,
including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures
were provided and were accurate.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable the appraiser's
supervisor, were licensed and in good standing at the time the appraisal was completed.

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Unless specifically requested by client, the compliance review excluded business purpose loans.

![](ex995001.jpg)

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. MaxDiligence worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
LE are completed; and (iii) the Initial LE accurately reflects the information provided to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a Revised LE, confirm (i) that there is a "valid reason" for the Revised
LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine which LE in the file is the "final binding" LE for the purpose of Tolerance
Testing. A Revised LE that is issued after the CD, or that does not state a valid reason will not be used for the purposes of Tolerance
Testing. All revised LEs issued to the consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm initial LE was delivered within three (3) Business Days from the application date, and
at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm revised LE was delivered within three (3) Business Days from date of the "valid reason"
giving rise to the Revised LE, and at least four (4) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm that certain sections of each LE determined to carry assignee liability were accurately
completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all sections of the CD are
completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued, confirm (i) that there was a valid reason for the change; (ii) that
the CD was issued within three (3) days of the change; and (iii) whether the reason for the change requires a new 3-day waiting
period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm Initial CD, and any subsequent CD with material changes (i.e. changes that require a new
waiting period), was received at least three (3) Business Days prior to the consummation date. With respect to applicable exception
remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered
or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect
to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later
than 60 days after consummation.

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) Business Day rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission
under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total
of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered accurate as
defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the
prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation,
as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing
the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was
delivered or placed in the mail no later than 60 days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan
file contains documentary evidence that the disclosure was provided to the borrower; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices
in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. APR threshold test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review relevant documentation to determine if compensation to a Loan Originator was based on a
term of the transaction;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the Steering Safe
Harbor provisions were satisfied.

● Note: Where available, MaxDiligence reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, MaxDiligence's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor obtained proof of homeownership counseling in connection with a mortgage
loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure
to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review for presence of mortgage loan originator organization and individual mortgage loan originator
name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate
and Closing Disclosure; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
Days of application;

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper
timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations
within three (3) Business Days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. Confirm that the list of homeownership counselling organizations was obtained no earlier than 30
days prior to when the list was provided to the mortgage loan applicant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv) With respect to a borrower that has waived the three (3) Business Day
disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) Business
Days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior
to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of state, county and municipal laws and ordinances
with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage
loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or
subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

![](ex995001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

![](ex995001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**6** | &nbsp;&nbsp;**100.00%** |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (ex. a loan with a Credit Grade of "A", a Compliance Grade of a "B", and a Valuation Grade of "A" would receive an overall Loan Grade of "B").

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Exception <br> Level <br> Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Title Coverage is Less than Subject Lien(s) Total | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;1-4 Family Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test (50001262) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;2 |

---

![](ex995001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***9*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 6 mortgage loans reviewed, 0 unique mortgage loans (by loan count) had a total of 0 different tape discrepancies across the data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

**Event Grade Definitions**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation Guidelines |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;Loan is missing documentation to perform a sufficient review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

![](ex995001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Compliance Event Grades** | &nbsp;&nbsp;**Compliance Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 54361971 |  |  | XXXXXX | XXXXXX | XXXXXX MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-12-23 18:38 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Missing fraud report with cleared alerts. <br>|  | Document Uploaded. - 12/29/2025<br>| Documents provided. Condition resolved. - 12/30/2025<br>All Fraud Report Alerts have been cleared or None Exist - 12/30/2025<br>|  | 2025-12-30 18:08 | Resolved | 3 | 1 | 3 | 1 |
| 54361971 |  |  | XXXXXX | XXXXXX | XXXXXX MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-12-23 18:39 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-01-13 18:00 | Cleared | 1 | 1 | 3 | 1 |
| 54361971 |  |  | XXXXXX | XXXXXX | XXXXXX MA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-12-23 18:39 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-12-23 18:39 | Cleared | 1 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 6 | 2025-09-15 19:48 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-09-15 19:48 | Cleared | 1 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 6 | 2025-09-17 18:45 | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Provide title policy that covers both 1st and 2nd lien amounts <br>|  | This condition should be waived as Title Policy reflecting enough coverage for both 1st and 2nd liens are not in our and XXXXXX's guidelines.<br>- 09/18/2025 | Received explanation. Sufficient coverage for subject loan and not guideline requirement. - 09/20/2025<br>|  | 2025-09-21 06:50 | Resolved | 3 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 6 | 2025-09-17 19:05 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Document Uploaded. - 09/19/2025<br>| Approval/Underwriting Summary is fully present - 09/21/2025<br>The loan did not contain the Approval/Underwriting Summary. - 09/21/2025<br>|  | 2026-01-20 20:28 | Resolved | 3 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 6 | 2025-09-17 19:07 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. The XXXXXX report showing all High and Medium Alerts signed off was not provided for review. <br>|  | Document Uploaded. - 09/25/2025 <br>Document Uploaded. - 09/22/2025 <br>Document Uploaded. - 09/19/2025<br>| Received XXXXXX Alerts Summary which shows all alerts cleared. - 09/26/2025<br> All Fraud Report Alerts have been cleared or None Exist - 09/26/2025<br> Received appraiser credentials and XXXXXX interested parties searches. Please provide the XXXXXX Alerts Summary showing all alerts cleared which has not been provided. - 09/24/2025<br> Received XXXXXX Alerts Summary; however, page 1 does not show any alerts cleared, and no comments were found indicating cleared on the subsequent pages. - 09/20/2025 |  | 2025-09-26 08:47 | Resolved | 3 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 6 | 2025-09-17 19:07 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-09-17 19:07 | Cleared | 1 | 1 | 3 | 1 |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 6 of 6 | 2025-09-18 04:56 | Credit | Property Title Issue | Property title issue. Title supplement eliminating items #XXXXXX and #XXXXXX. The $XXXXXX lien recorded XXXXXX and $XXXXXX judgment recorded XXXXXX were not paid off through the subject transaction and no title supplement was provided showing the aforementioned liens were removed. <br>|  | Document Uploaded. - 09/19/2025<br>| Received title supplements removing #XXXXXX and #XXXXXX. - 09/20/2025<br> Property Title Issue Resolved - 09/20/2025 |  | 2025-09-21 06:43 | Resolved | 3 | 1 | 3 | 1 |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 5 | 2025-11-13 16:33 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All interested parties not checked with exclusionary lists. No fraud guard provided. <br>|  | Document Uploaded. - 11/19/2025<br>| All Interested Parties Checked against Exclusionary Lists - 11/23/2025<br>|  | 2025-11-26 21:29 | Resolved | 3 | 1 | 3 | 1 |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 5 | 2025-11-13 16:33 | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. No fraud guard was provided / nor was there an XXXXXX check for B1. <br>|  | Document Uploaded. - 11/19/2025<br>| Fraud Report and cleared alerts were provided. Condition resolved. - 11/23/2025<br>Third party fraud report is provided - 11/23/2025<br>|  | 2025-11-26 21:28 | Resolved | 3 | 1 | 3 | 1 |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 5 | 2025-11-13 16:33 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-11-14 19:06 | Cleared | 1 | 1 | 3 | 1 |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 5 | 2025-11-14 19:07 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2025-11-14 19:07 | Cleared | 1 | 1 | 3 | 1 |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 5 | 2025-11-23 18:32 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. - 11/25/2025 <br>Document Uploaded. - 11/23/2025<br>| Cleared Fraud Report provided. Condition resolved. - 11/26/2025<br>All Fraud Report Alerts have been cleared or None Exist - 11/26/2025<br>|  | 2025-11-26 21:29 | Resolved | 3 | 1 | 3 | 1 |
| 54460243 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-11-11 14:03 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-11 14:03 | Cleared | 1 | 1 | 3 | 1 |
| 54460243 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-11-12 20:53 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-11-13 15:23 | Cleared | 1 | 1 | 3 | 1 |
| 54460243 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-11-13 15:27 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Please provide a 3rd Party Valuation to support the appraised value. <br>|  | Document Uploaded. - 11/14/2025<br>| XXXXXX supporting value was provided. Condition resolved. - 11/19/2025 |  | 2025-11-19 02:23 | Resolved | 3 | 1 | 3 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 6 | 2025-11-13 18:39 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Fraud Report does not show that XXXXXX cleared the alerts on the report. <br>|  | Document Uploaded. - 11/26/2025<br>| All Fraud Report Alerts have been cleared or None Exist - 12/01/2025<br>|  | 2025-12-01 16:48 | Resolved | 3 | 1 | 4 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 6 | 2025-11-13 18:39 | Credit | Potential Fraud Reflected on Fraud Report | Potential fraud reflected on Fraud Report. Appraiser is showing as a possible match for XXXXXX exclusionary list as well as the client supplied watch list. This has not been addressed or cleared by the XXXXXX based on the fraud report. <br>|  | Document Uploaded. The appraiser XXXXXX nor the company XXXXXX are not in the latest XXXXXX Exclusionary List. - 11/25/2025 | Evidence to clear alert provided. Condition resolved. - 12/01/2025<br>Potential Fraud Reflected on Fraud Report is Resolved or None Exists - 12/01/2025<br>|  | 2025-12-01 16:49 | Resolved | 3 | 1 | 4 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 6 | 2025-11-15 13:52 | Compliance | Lender Credits That Cannot Decrease Test (50001262) | The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXXXXX). The Last CD shows a total lender credit amount of ($XXXXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credit decreased without a change in circumstance <br>|  | Document Uploaded. - 11/24/2025<br>| Received CIC - 11/24/2025<br>- 11/24/2025<br>|  | 2025-11-24 15:41 | Resolved | 3 | 1 | 4 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 6 | 2025-11-15 13:52 | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Broker fee was added without a valid CIC <br>|  | Document Uploaded. - 11/24/2025<br>| Received CIC - 11/24/2025<br>- 11/24/2025<br>|  | 2025-11-24 15:41 | Resolved | 3 | 1 | 4 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 6 | 2025-11-21 16:54 | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Originator to provide Gap Credit Report <br>|  | Document Uploaded. - 11/26/2025<br>| GAP CR provided. Condition resolved. - 12/03/2025<br>Borrower 1 Gap Credit Report is not missing. - 12/03/2025<br>|  | 2026-01-20 20:31 | Resolved | 4 | 1 | 4 | 1 |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 6 of 6 | 2025-11-21 17:29 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-21 17:29 | Cleared | 1 | 1 | 4 | 1 |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 5 | 2025-11-20 17:29 | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. No deed of trust was provided for the new lien on property. <br>|  | Document Uploaded. - 12/02/2025<br>| Received complete DOT with all riders attached - 12/03/2025<br>|  | 2025-12-03 16:34 | Resolved | 4 | 1 | 4 | 1 |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 5 | 2025-11-21 15:57 | Compliance | 1-4 Family Rider is Missing | The file is missing the 1-4 Family Rider. <br>|  | Document Uploaded. - 12/02/2025<br>| Received complete DOT with all riders attached - 12/03/2025<br>|  | 2026-02-03 01:14 | Resolved | 3 | 1 | 4 | 1 |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 5 | 2025-11-21 15:57 | Compliance | PUD Rider is Missing | PUD Rider is missing. <br>|  | Document Uploaded. - 12/02/2025<br>| Received complete DOT with all riders attached - 12/03/2025<br>|  | 2026-02-03 01:15 | Resolved | 3 | 1 | 4 | 1 |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 4 of 5 | 2025-12-02 19:03 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-02 19:03 | Cleared | 1 | 1 | 4 | 1 |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 5 of 5 | 2025-12-02 19:04 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2025-12-02 19:04 | Cleared | 1 | 1 | 4 | 1 |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 2**

![](maxwell-logo.jpg)

Client VSTA 2026-CES1 <br> Transaction VSTA 2026-CES1 <br> Date 02/04/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| 54361971 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 59797692 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 56969761 |  |  | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| 54460243 |  |  | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| 55115789 |  |  | XXXXXX | XXXXXX | 4 | 1 | 4 | 1 | 3 | 1 | 1 | 1 D A C |
| 53154583 |  |  | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 54361971 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 29.18 | 69.64 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 59797692 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 30.13 | 63.49 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 56969761 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 6.91 | 35.49 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 54460243 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 21.43 | 69.43 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 55115789 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 24.74 | 63.83 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 53154583 |  |  | XXXXXX | XXXXXX |  | 0 | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 17.7 | 61.15 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 5**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** |
| 54361971 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | $0.00 |  |  | 46.10% | 45.23% | 45.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX MA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | MA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 53.1 | No | 69.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX MA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 5.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 59797692 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 4774.55 | XXXXXX | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.662% |  | 8.500% | 8.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | $0.00 |  |  | 27.92% | 30.35% | 30.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 38.9 | No | 63.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 22.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 56969761 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXXXX | 5.840% | Manual Underwriting | Manual Underwriting | No | 8.821% |  | 8.500% | 8.500% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | $0.00 |  |  | 37.28% | 37.28% | 37.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 265 | Yes | 182 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | CA | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 21.3 | No | 35.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | N/A - Not investment property | 25.00 | 20 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX | Suburban |
| 54460243 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | XXXXXX | 9.000% | 9.000% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | $0.00 |  |  | 42.32% | 42.43% | 42.43% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | N/A | 12 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0.6 | XXXXXX | 0.6 | No | 69.43 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 11.00 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 55115789 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 7480.00 | XXXXXX | 6.570% | Manual Underwriting | Manual Underwriting | No | 10.105% |  | 9.750% | 9.750% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | $0.00 |  |  | 6.47% | 5.99% | 5.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 28.93% |  |  | N/A | 0 | N/A |  |  |  | Yes | 127 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | CA | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 12.4 | No | 63.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 15 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban |
| 53154583 |  |  | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.625% | 8.625% | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX CA | $400.00 |  | Monthly | 17.23% | 14.98% | 14.98% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXXXX | XXXXXX CA | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | CA | United States | XXXXXX |  |  | N/A |  |  |  | US Citizen | N/A |  |  | United States |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 15.1 | XXXXXX | 15.1 | No | 61.15 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX CA | XXXXXX |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 40.25 |  |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX | Suburban |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.5 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 54361971 |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | Yes | 10501.09 | N/A | Employed |  | No |  | Yes | Present |
| 59797692 |  |  | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternate Income Documentation | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22793.88 | N/A | Employed |  | No |  | No |  |
| 56969761 |  |  | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternate Income Documentation | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 23839.16 | N/A | Employed | Employed | No | No | No |  |
| 54460243 |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 74950.27 | N/A | Employed |  | No |  | Yes | Present |
| 55115789 |  |  | XXXXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternate Income Documentation | Yes | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| 53154583 |  |  | XXXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No | No | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 82642.12 | N/A | Employed |  | No |  | Yes | Present |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Vista Point Mortgage, LLC ("Client"). The review was conducted between August 26 2025 and January 06 2026, via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.** 

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION** 

Selene was instructed to perform a review on a population totaling 154 Closed-End Second (CES) loan for a total of 154 CES loan the "Final Securitization Population".

*<u>Credit Reviews (154):</u>*

During the Review, Selene performed a credit review on 154 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (154)</u>*

During the Review, Selene performed a compliance review on 154 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (154):</u>*

During the Review, Selene performed a property valuation review on 154 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (154):</u>*

During the Review, Selene performed a Data Integrity Review on 154 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 154 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;154 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;154 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;154 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;154 | &nbsp;&nbsp;100% |

---

&nbsp;&nbsp;&nbsp;&nbsp;**(3) Determination of the sample size and computation.**

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, and DBRS, Inc. ("DBRS") (the "NRSRO(s)").

&nbsp;&nbsp;&nbsp;&nbsp;**(4) Quality or integrity of information or data about the assets: review and methodology.**

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

&nbsp;&nbsp;&nbsp;&nbsp;**(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Loan Eligibility Guidelines Equity Solutions, Oaktree Eligibility Guidelines Equity Solutions (the "Guidelines").

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

Page **2** of **13**

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

&nbsp;&nbsp;&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

● Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Guidelines cited above;

● Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

&nbsp;&nbsp;&nbsp;&nbsp;**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

● **Original Appraisal Assessment** 

Selene reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

● **Value Supported Analysis** 

Selene applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third-party valuation product provided by the Client.

Page **3** of **13**

&nbsp;&nbsp;&nbsp;&nbsp;**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

● Tape data received from lender/client is stored in a secured FTP folder;

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 154 mortgage loans, (ii) a Compliance Review on 154 mortgage loans (iii) a Valuation Review on 154 mortgage loans, and (iv) a Data Integrity Review on 154 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 154 mortgage loans; 146 mortgage loans had a rating grade of A, 8 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp; ***Grades per loan (154 overall loans):***  | &nbsp;&nbsp; ***Grades per loan (154 overall loans):***  | &nbsp;&nbsp; ***Grades per loan (154 overall loans):***  | &nbsp;&nbsp; ***Grades per loan (154 overall loans):***  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;34.42% | &nbsp;&nbsp;A | &nbsp;&nbsp;146 | &nbsp;&nbsp;94.81% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;5.19% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;25 | &nbsp;&nbsp;16.23% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;76 | &nbsp;&nbsp;49.35% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **13**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  | &nbsp;&nbsp; ***Final Grades per loan broken out by compliance, credit and property:***  |
| | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - <br> COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;152 | &nbsp;&nbsp;98.70% | &nbsp;&nbsp;A | &nbsp;&nbsp;148 | &nbsp;&nbsp;96.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;129 | &nbsp;&nbsp;83.77% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;25 | &nbsp;&nbsp;16.23% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal

Page **5** of **13**

advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of

limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Selene Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. ASF Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Grading Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Exception Detail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Tape Discrepancies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Supplemental Data

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Third Party (TPR) Attestation Form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Attestation Form 15E

Page **6** of **13**

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture the monthly consumer debt payments for use in the debt to income and/or residual income
calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank statements

Page **7** of **13**

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets
was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm that the flood cert is for the correct borrower, property, lender and loan number and is
a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For properties is in a flood zone per the flood cert, confirm that flood insurance in the file
meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm that the mortgagee clause lists the lender's name and "its successors and assigns";
and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm that the premium amount on both the hazard and flood insurance match what was used in the
DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed for any name variations for the borrowers and
confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed for any social security number variations for
the borrowers and confirm that the variations have been addressed in the loan file;

Page **8** of **13**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed for any potential occupancy issues based on the
borrowers' address history and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed for any employment issues and confirm that any
issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed for any additional consumers associated with
the borrowers' profiles and confirm the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A review of the completeness and accuracy of the information obtained in the mortgage origination
process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A review of closing documents to ensure that the mortgage file information is complete, accurate,
and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification that all borrowers are eligible based on the guidelines and information in the loan
file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify there is appropriate documentation present to confirm that applicable documents have been
recorded or have been sent for recording.

Page **9** of **13**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test; <br> ii) APR threshold test;

iii) prepayment penalty test; and <br> iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction; <br> ii) review relevant document to determine if there was dual compensation; and

Page **10** of **13**

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable,
on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and (ii)
verify the data against the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015; <br> ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE's, initial CD, and reflected on the final CD; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **11** of **13**

**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

Selene reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **13**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The individuals performing the aforementioned original appraisal assessment
are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice ("USPAP")
or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute
"appraisal reviews" for purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding
that Selene may have reviewed valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene is not an 'AMC' (appraisal management
company) and therefore Selene does not opine on the actual value of
the underlying property.

● Selene is not a 'creditor' within the meaning of ECOA or other lending laws and regulations, and therefore Selene will not have any communication with or responsibility to any individual consumer concerning property valuation.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **13** of **13**

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| 60696880 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| 62357438 |  | XXXX | XXXX D A | N/A D | N/A D | N/A D B | N/A | N/A C | N/A B C |
| 66941244 |  | XXXX | XXXX A D | D | D | D A | A | A | A |
| 66133625 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 66706531 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 69396952 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 66974621 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 65207980 |  | XXXX | XXXX D | N/A D | N/A D | N/A D | N/A | N/A C | N/A C |
| 68434436 |  | XXXX | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 66174096 |  | XXXX | XXXX A | D | D | D A | A | A | A |
| 62637203 |  | XXXX | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 64528201 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 66415441 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 64743290 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 62558732 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63960013 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| 60200523 |  | XXXX | XXXX A C | D | D | D A | A | A | A |
| 67783550 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| 67187877 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 65375553 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 60913461 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| 61500190 |  | XXXX | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 69553681 |  | XXXX | XXXX D B | A | A | A D | A | A | A |
| 61944624 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| 63660274 |  | XXXX | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 60877875 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 61230513 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| 65152835 |  | XXXX | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 65646753 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 64064565 |  | XXXX | XXXX D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 64335069 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66504285 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 62458950 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| 69334998 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| 60373662 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 61153457 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68320225 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66234164 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 66514042 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 65334280 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 60457600 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65625677 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 60512447 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| 65165382 |  | XXXX | XXXX D A | A | A | A D B | A | A | A B |
| 66167527 |  | XXXX | XXXX A D | A | A | A D B | A | A | A B |
| 67420758 |  | XXXX | XXXX D A | A | A | A D B | A | A | A B |
| 63249354 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| 65152557 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 60504076 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 60454851 |  | XXXX | XXXX A C | A | A | A C B | A | A | A B |
| 66962260 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68796882 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66436620 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 62639801 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 67544394 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 68126995 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 67086777 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 63033898 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 68634060 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 67273547 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68777522 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 66326028 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 68619556 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 68852319 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 64027414 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 67568716 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 61055249 |  | XXXX | XXXX D A | A | A | A D B | A | A | A B |
| 68196712 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65285727 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63955287 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 62400608 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68970550 |  | XXXX | XXXX D C | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 61123855 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 60048698 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66846861 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66012474 |  | XXXX | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 69363702 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| 61776144 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 62391127 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| 64992601 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 62410391 |  | XXXX | XXXX C D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 68313042 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65275105 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 60904516 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 60460713 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 65242139 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65221392 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66138953 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 62843450 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 67913639 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 64686475 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 63952652 | xxxxxx0214 | XXXX | XXXX A D | A | A | A D | A | A | A |
| 61930572 | xxxxxx0263 | XXXX | XXXX A D | A | A | A D | A | A | A |
| 61257707 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 64950431 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 61406992 |  | XXXX | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 69279608 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 61635753 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 61541954 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 69130218 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 68376482 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| 68043528 | xxxxxx2366 | XXXX | XXXX A | A | A | A | A | A | A |
| 66647736 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 69122235 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65991781 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63677631 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65088634 | xxxxxx1661 | XXXX | XXXX A D | A | A | A D | A | A | A |
| 60836618 | xxxxxx1399 | XXXX | XXXX A | A | A | A | A | A | A |
| 62354532 |  | XXXX | XXXX D | A | A | A D | A | A | A |
| 65164361 |  | XXXX | XXXX C A | N/A D | N/A D | N/A C D | N/A | N/A C | N/A C |
| 69718025 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 61908525 |  | XXXX | XXXX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 62655631 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63322700 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| 63381687 |  | XXXX | XXXX A D | A | A | A D | A | A | A |
| 67597448 |  | XXXX | XXXX C | A | A | A C | A | A | A |
| 63204687 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 67057929 |  | XXXX | XXXX A C | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 68980044 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 67670289 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 68499783 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 69070672 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63122499 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 63952842 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 69627584 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 69538527 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 69806853 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 65242242 |  | XXXX | XXXX C A | A | A | A C | A | A | A |
| 69655023 |  | XXXX | XXXX D A | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 66133730 |  | XXXX | XXXX C D | A | A | A D | A | A | A |
| 66032544 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 62656834 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| 65494564 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 61471690 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 65854119 |  | XXXX | XXXX C | A | A | A C | A | A | A |
| 62833451 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68410092 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 62789630 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 66735348 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 66942677 |  | XXXX | XXXX C A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 61920544 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68264434 |  | XXXX | XXXX D B | A | A | A D | A | A | A |
| 63791333 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 63909342 |  | XXXX | XXXX C A | A | A | A C B | A | A | A B |
| 67034276 |  | XXXX | XXXX D C | A | A | A D | A | A | A |
| 60602070 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 65633634 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 64886781 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 68048507 |  | XXXX | XXXX A D | N/A | N/A C | N/A D | N/A | N/A C | N/A C |
| 68856007 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 60746329 |  | XXXX | XXXX A C | A | A | A C | A | A | A |
| 69627201 |  | XXXX | XXXX D A | A | A | A D | A | A | A |
| 62020901 |  | XXXX | XXXX A | A | A | A | A | A | A |
| 60660010 |  | XXXX | XXXX A | A | A | A | A | A | A |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 60696880 |  | XXXX | Closed | 2025-09-02 04:51 | 2025-10-09 07:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income calculation worksheet - Seller-XX/XX/XXXX <br>Counter-Section 1.2.2 and 8.1.1 of the guidelines state an Income Worksheet is required. Please provide - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income calculation on bottom of 1008 - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Lender Worksheet is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Income calculation worksheet - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Income calculation on bottom of 1008 - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5375552 | N/A | N/A |
| XXXX | 60696880 |  | XXXX | Closed | 2025-09-02 06:09 | 2025-09-26 06:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PLEASE Use COC instead of cure refund to borrower - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-There is also an Lender increase from the Revised LE to Initial CD iao $XXX.X without any accompanied COC - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-The cure goes away due to the recording fee being lowered. Actual recording fee was lower than what was disclosed on the Initial CD. - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XXX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Require COC for final cd where lender credits decreased to $X.XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PLEASE Use COC instead of cure refund to borrower - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-The cure goes away due to the recording fee being lowered. Actual recording fee was lower than what was disclosed on the Initial CD. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5376185 | N/A | N/A |
| XXXX | 62357438 |  | XXXX | Closed | 2025-09-11 05:31 | 2026-02-05 15:15 | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived-AVM provided is below the required 90% confidence score, finding has been waived with compensating factors. - Due Diligence Vendor-02/05/2026 <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-09/19/2025 <br> Ready for Review-We provided AVM plus Property Condition Inspection (on same report). 2 sources - Seller-09/17/2025 <br> Ready for Review-Document Uploaded. per guidelines AVM is acceptable - Seller-09/16/2025 <br> Ready for Review-Per guides XXXX and CI from XXXX performed and supports value - Seller-09/16/2025 <br> Ready for Review-Document Uploaded. - Seller-09/12/2025 <br> Open-Appraisal is Missing AVM provided in file. Provide additional secondary for securitization purposes - Due Diligence Vendor-09/11/2025 | Ready for Review-We provided AVM plus Property Condition Inspection (on same report). 2 sources - Seller-09/17/2025 <br>Ready for Review-Document Uploaded. per guidelines AVM is acceptable - Seller-09/16/2025 <br>Ready for Review-Per guides SFR AVM and CI from Clear capital performed and supports value - Seller-09/16/2025 <br>Ready for Review-Document Uploaded. - Seller-09/12/2025<br>| Waived-AVM provided is below the required 90% confidence score, finding has been waived with compensating factors. - Due Diligence Vendor-02/05/2026 <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-09/19/2025<br>| XXXX |  | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 5496559 | Originator Post-Close | No |
| XXXX | 62357438 |  | XXXX | Closed | 2026-02-06 11:13 | 2026-02-06 11:13 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines AVM provided is below the required 90% confidence score, finding has been waived with compensating factors.<br> - Due Diligence Vendor-02/06/2026 |  | Waived-Loan does not conform to program guidelines AVM provided is below the required 90% confidence score, finding has been waived with compensating factors.<br> - Due Diligence Vendor-02/06/2026<br>|  |  | XXXX | CA | Primary Residence | Refinance | Cash Out - Other | 7494060 | Originator Post-Close | Yes |
| XXXX | 62357438 |  | XXXX | Closed | 2025-09-11 09:50 | 2025-09-15 04:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-For Senior Lien Docs Lender asked us to use mortgage statements that are already in file hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Previous Note document is missing in file, Provide it. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-For Senior Lien Docs Lender asked us to use mortgage statements that are already in file hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5502006 | N/A | N/A |
| XXXX | 62357438 |  | XXXX | Closed | 2025-09-11 06:16 | 2025-09-15 04:43 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-DTI is in line once "Installment loans with XX XXXXXXXXX, XXX, and XXXX were omitted and are paid by XX. XXXXX business and file contains 12 months of business bank statements evidencing this, no late payments. XXXXXXXXX and XXXXX paid off and reflects on final CD, XXXXXX is an installment loan with 1 payment left and was omitted, and installment loan with XXXXXX has 7 payments left and was omitted" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% DTI is mismatching due to All Other Monthly Payments are as per the 1008 document is $X,XXX where as calculated All Other Monthly Payments are $X,XXX hence there is a DTI mismatch. Calculations conform to the provided 1003 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-DTI is in line once "Installment loans with XX XXXXXXXXX, XXX, and XXXX were omitted and are paid by XX. XXXXX business and file contains 12 months of business bank statements evidencing this, no late payments. XXXXXXXXX and XXXXX paid off and reflects on final CD, XXXXXX is an installment loan with 1 payment left and was omitted, and installment loan with XXXXXX has 7 payments left and was omitted" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5497018 | N/A | N/A |
| XXXX | 66941244 |  | XXXX | Closed | 2025-09-14 06:37 | 2025-09-24 09:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Please reupload the 1003. The previously provided is corrupt and cannot be opened for review - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Provided 1003 is not reflecting ownership selection for XXXXXXX XXXXXXXXX LLC employment. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5529511 | N/A | N/A |
| XXXX | 66941244 |  | XXXX | Closed | 2025-09-15 05:39 | 2025-09-24 09:41 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-CDA provided. XXXXXXXXX has been updated with the provided docs. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Both SSR reports would be required to confirm the Collateral Underwriting score listed on the XXXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Is there any reason the XXXXX SSR is not satisfactory? Would you please cite the guideline that states a XXXXX SSR is required? <br>Thank you! - Seller-XX/XX/XXXX <br>Counter-XXXXXX requires a secondary valuation via CDA, BPO, XXXXX SSR report, etc for securitization purposes on the secondary market - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Why is a 2nd appraisal required on a 2nd mortgage?<br> - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Pending secondary valuation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Is there any reason the XXXXX SSR is not satisfactory? Would you please cite the guideline that states a XXXXX SSR is required? <br>Thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Why is a 2nd appraisal required on a 2nd mortgage?<br> - Seller-XX/XX/XXXX<br>| Resolved-CDA provided. XXXXXXXXX has been updated with the provided docs. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5532227 | N/A | N/A |
| XXXX | 66941244 |  | XXXX | Closed | 2025-09-16 05:03 | 2025-09-16 05:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 217. An interior and exterior appraisal was completed for this property – see pg 70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 441, and copy of the appraisal was given to the borrower – see Pg#'s 189 for the copy of the disclosure. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 217. An interior and exterior appraisal was completed for this property – see pg 70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 441, and copy of the appraisal was given to the borrower – see Pg#'s 189 for the copy of the disclosure. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5548492 | N/A | N/A |
| XXXX | 66941244 |  | XXXX | Closed | 2025-09-16 05:03 | 2025-09-16 05:12 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 217. An interior and exterior appraisal was completed for this property – see pg 70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 441, and copy of the appraisal was given to the borrower – see Pg#'s 189 for the copy of the disclosure. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 217. An interior and exterior appraisal was completed for this property – see pg 70, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 441, and copy of the appraisal was given to the borrower – see Pg#'s 189 for the copy of the disclosure. The loan meets HPML guidelines. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5548491 | N/A | N/A |
| XXXX | 66941244 |  | XXXX | Closed | 2025-09-14 09:42 | 2025-09-16 05:04 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Missing Initial CD in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial CD Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5529882 | N/A | N/A |
| XXXX | 66133625 |  | XXXX | Closed | 2025-09-18 04:42 | 2025-10-02 07:34 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Updated COCs and LEs provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated COCs and LEs provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5581260 | N/A | N/A |
| XXXX | 66133625 |  | XXXX | Closed | 2025-09-18 04:42 | 2025-10-02 07:33 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Updated PCCD and final settlement statement provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Counter-Provided PCCD reflects the transaction date as the Date Issued. Update to reflect the PCCD's generation date as the Date Issued - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX XXX XXXXXXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated PCCD and final settlement statement provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5581261 | N/A | N/A |
| XXXX | 66133625 |  | XXXX | Closed | 2025-09-15 04:47 | 2025-09-18 04:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure document provided.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5531949 | N/A | N/A |
| XXXX | 66133625 |  | XXXX | Closed | 2025-09-24 09:15 | 2025-09-24 09:22 | Resolved | 1 - Information A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5652447 | N/A | N/A |
| XXXX | 66133625 |  | XXXX | Closed | 2025-09-24 09:15 | 2025-09-24 09:22 | Resolved | 1 - Information A | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5652448 | N/A | N/A |
| XXXX | 66706531 |  | XXXX | Closed | 2025-09-14 04:01 | 2025-09-18 06:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated HUD uploaded with correct PPP calculation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. As per prepayment addendum PPP charge is X% X% X% for 36 months resulted in max PP amount as $XX,XXX whereas per HUD max PP amount is $XX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved-Updated HUD uploaded with correct PPP calculation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Investment | Refinance | Cash Out - Other | 5529314 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-29 10:06 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XXX XXX XXXXXXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX<br>| Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597060 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-29 10:05 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Washington - Days Used For Interest Calculation | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The days in year number is (XXX.X). The Washington Interest and Usury provisions require the number of days used for the interest rate calculation to equal XXX. (XXX XXX XXXXXXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597057 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-29 10:05 | Resolved | 1 - Information C A | Compliance | Mavent | Interest: DaysInYear | Resolved-Resolved per directive and training. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The interest days in year used to calculate the interest (Periodic XXX) is less than XXX days. The Washington Interest and Usury provisions require the number of days used for the interest rate calculation to equal XXX. (XXX XXX XXXXXXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved per directive and training. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597059 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-22 11:48 | Resolved | 1 - Information C A | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Resolved-Resolved per directive and training. XXXXXXX confirmed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (XXX XXX XXXXXXXXXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved per directive and training. XXXXXXX confirmed - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597055 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-22 10:50 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-Resolved with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXXXXXXXX XXXXXXXXXXXXXX XXXX requires the discount points actually lower the rate. The note rate (X.XXX%) is not lower than the undiscounted rate (X.X%). XXX XXX-XXX-XXX(X)(X). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved with Mavent run - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597056 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-16 01:33 | 2025-09-22 09:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated URLA has been received and reviewed. Employment date discrepancy has been resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Provided 103 is not reflecting start date of employment and reflecting non borrower signature in final 1003. Require updated/corrected final 1003 for borrower. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated URLA has been received and reviewed. Employment date discrepancy has been resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5547639 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-16 05:01 | 2025-09-19 05:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial Closing Disclosure provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5548481 | N/A | N/A |
| XXXX | 69396952 |  | XXXX | Closed | 2025-09-19 05:16 | 2025-09-19 05:19 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Corrected Closing Disclosure (Loan Product)(Last CD Received Date) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The last Closing Disclosure Received Date (XXXX-XX-XX) is not at least X business days before the consummation date of (XXXX-XX-XX). The () disclosed Loan Product on the last Closing Disclosure does not match the system calculated (Fixed Rate) Loan Product. Under XXXXXXXXXX X, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than X business days before the consummation date of (XXXX-XX-XX). If a corrected Closing Disclosure is not provided in person, a consumer is deemed to have received it X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX XXX XXXXX.X(X)(X)(X); XXX X(X)(X)(X)-X) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 5597058 | N/A | N/A |
| XXXX | 66974621 |  | XXXX | Closed | 2025-09-23 06:39 | 2025-09-23 06:44 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(X)(X)(X)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5631837 | N/A | N/A |
| XXXX | 66974621 |  | XXXX | Closed | 2025-09-23 06:39 | 2025-09-23 06:44 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX XXXX threshold of (XX.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXX.XX(X)(X)(X)) - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets XXXX guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5631836 | N/A | N/A |
| XXXX | 66974621 |  | XXXX | Closed | 2025-09-19 09:32 | 2025-09-23 06:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-XXXX: Missing Closing Disclosure Initial CD is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial CD Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5602434 | N/A | N/A |
| XXXX | 66974621 |  | XXXX | Closed | 2025-09-19 07:05 | 2025-09-23 06:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested updated Final 1003 Provided with Years in Industry, updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Provided final 1003 is not reflecting years in line of work. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated Final 1003 Provided with Years in Industry, updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5598185 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 05:43 | 2025-10-06 08:04 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. 1008 has been provided and reviewed. XXXXXXXX has been updated to reflect the updated document. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provided 1008 does not list borrower's Qualifying FICO. The Risk Assessment has been updated but the FICO score is pending - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Provide updated 1008 document with Risk Assessment reflecting as ""Manual Underwriting"". It is reflecting as AUS - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. Provide updated 1008 document for Risk Assessment reflect as ""Manual Underwriting"". It is reflecting as Aus and Qualifying FICO.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. 1008 has been provided and reviewed. XXXXXXXX has been updated to reflect the updated document. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5631186 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-24 07:51 | 2025-10-01 06:24 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Client clarification has been received. Finding resolved per updated information - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This was a second stand alone. The 1st lien against this property is XXXXXXXXXX/XX XXXXXX - #XXXXXXXXXX which opened XX/XXXX. There is no 1st lien appraisal. It was underwritten and approved prior to new guides coming out. Guides were updated X/XX. This was underwritten/approved X/XX/XX and ctc'd: X/XX. It's not XXXX and the loan amount is below $XXX,XXX. The loan amount on this loan is XXXXXX. There is an AVM in the file with a XX% confidence factor. Min allowed is XX% from XXXXX XXXXX which included a property inspection. - Seller-XX/XX/XXXX <br>Counter-The provided AVM and property inspection reflect the documents in file. Please provide a secondary for the secondary market<br> X.X.X Appraisal Options <br> On purchase transactions, a copy of the appraisal with original pictures and any secondary valuation used on the 1st mortgage is acceptable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. AVM+PROPERTY COND. INSPECTION. - Seller-XX/XX/XXXX <br>Open-Second Appraisal/ Valuation is Missing Required for Securitizations Request to provide additional valuation via SSR with CU score, Desk Review, etc - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This was a second stand alone. The 1st lien against this property is XXXXXXXXXX/XX XXXXXX - #XXXXXXXXXX which opened XX/XXXX. There is no 1st lien appraisal. It was underwritten and approved prior to new guides coming out. Guides were updated X/XX. This was underwritten/approved X/XX/XX and ctc'd: X/XX. It's not XXXX and the loan amount is below $XXX,XXX. The loan amount on this loan is XXXXXX. There is an AVM in the file with a XX% confidence factor. Min allowed is XX% from XXXXX XXXXX which included a property inspection. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. AVM+PROPERTY COND. INSPECTION. - Seller-XX/XX/XXXX<br>| Resolved-Client clarification has been received. Finding resolved per updated information - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5650957 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 05:47 | 2025-09-29 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete Provide the updated final 1003 for B1 with employer ""how long in this line of work", it is missing in final 1003. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5631225 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 05:17 | 2025-09-26 02:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Requested Initial CD Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial CD Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630921 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 05:16 | 2025-09-26 02:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Requested Initial LE Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Initial Loan Estimate is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Initial LE Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630915 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 04:43 | 2025-09-26 01:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Requested all the income supporting document for B1 and B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide all the income supporting document for B1 and B2 for the income of $X,XXX and $X,XXX.XX respectively. .Income documentation is missing for both B1 and B2. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested all the income supporting document for B1 and B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630629 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 04:11 | 2025-09-26 01:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Calculation Sheet for B1 & B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Income Calculator is Missing for both B1 and B2. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Income Calculation Sheet for B1 & B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630433 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-24 21:49 | 2025-09-26 01:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Requested Borrower 2 IRS Transcripts Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 2 IRS Transcripts Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Borrower 2 IRS Transcripts Provided, Updated & Condition Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5665196 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-24 21:50 | 2025-09-26 01:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Requested Borrower 1 IRS Transcripts Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Borrower 1 IRS Transcripts Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5665201 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 04:11 | 2025-09-26 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE for B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested 3rd Party VOE for B2 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630432 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 04:11 | 2025-09-26 01:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE for B1 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested 3rd Party VOE for B1 Provided, Updated & Condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630431 | N/A | N/A |
| XXXX | 65207980 |  | XXXX | Closed | 2025-09-23 04:29 | 2025-09-26 01:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Invalid Condition as "ClearAVM + Property Condition Inspection report is already provided in file which is sufficient for 2nd lien loans whose loan amount is less than $XXXk" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Appraisal is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Invalid Condition as "ClearAVM + Property Condition Inspection report is already provided in file which is sufficient for 2nd lien loans whose loan amount is less than $XXXk" hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5630537 | N/A | N/A |
| XXXX | 68434436 |  | XXXX | Closed | 2025-09-24 12:06 | 2025-10-01 06:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved, corrected 1003 received with additional mortgage now showing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Incomplete. Per supplemental credit report page 194 additional mortgage showing which is not listed on the final 1003. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, corrected 1003 received with additional mortgage now showing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | 5658942 | N/A | N/A |
| XXXX | 66174096 |  | XXXX | Closed | 2025-09-25 05:04 | 2025-10-07 14:40 | Resolved | 1 - Information D A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Resolved. CDA desk review provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The XXXXX SSR provided below does not have a score on it. Requesting additional valuation for securitization purpose. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide the additional Valuation document, We have the CU on page#206 but we don't have the CU score. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. CDA desk review provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5667121 | N/A | N/A |
| XXXX | 62637203 |  | XXXX | Closed | 2025-09-30 21:31 | 2025-10-09 11:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Resolved. Trust document, DOT and client clarification have been received and reviewed. Documentation is sufficient to cure DOT signing and vesting ask. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Settlors & borrowers are one in the same. Can you please provide further clarification of how the Mortgage should be signed. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of trust is vested as Trustees of XXXXXXXXX AND XXXXXXXXX LIVING TRUST, but missing the settlor signature. The provided note document is signed by borrower as - Individually and as trustee with trust approved letter pg-421 reflecting the same - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Settlors & borrowers are one in the same. Can you please provide further clarification of how the Mortgage should be signed. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Trust document, DOT and client clarification have been received and reviewed. Documentation is sufficient to cure DOT signing and vesting ask. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5727669 | N/A | N/A |
| XXXX | 64528201 |  | XXXX | Closed | 2025-10-01 08:02 | 2025-10-15 08:54 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Client has provided clarification on the liabilities utilized in approval along with updated URLA and liability worksheet. DTI calculates to XX.XX% after XXXXXXXX has been updated. 1008 reflecting the DTi values was not requested as the calculated value is below the originator's calculations with verification provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The provided 1003 does not conform to the updated 1008 previously provided. The recently attached 1003 lists the following liabilities:<br> XXXXXXXX XXXXXXXX XXXX iao $X,XXX/month<br> XX XXXXXXXX XXXX iao $X,XXX/month<br> XXXXXXXX XXXXX XXXX iao $XXX/month<br> XXXXXXXX/XXXXXXX XXXX iao $XXX/month<br> XXXX XXXX iao $XX,XXX/ month<br>The provided 1008 lists Other Monthly Payments as $X,XXX.XX/month. Provide liability worksheet to confirm $X,XXX.XX/month or 1008 document reflecting the 1003 values - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-1008 lists DTI of XX.XX% with $X,XXX.XX in Other Monthly Payments. These values do not conform to the provided 1003 or credit report. Provide liability worksheet to confirm $X,XXX.XX or 1008 document reflecting the 1003 values - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. 1008 lists DTI of XX.XX% with $X,XXX.XX in Other Monthly Payments. These values do not conform to the provided 1003 or credit report. Provide liability worksheet to confirm $X,XXX.XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Client has provided clarification on the liabilities utilized in approval along with updated URLA and liability worksheet. DTI calculates to XX.XX% after XXXXXXXX has been updated. 1008 reflecting the DTi values was not requested as the calculated value is below the originator's calculations with verification provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5732965 | N/A | N/A |
| XXXX | 64743290 |  | XXXX | Closed | 2025-10-04 00:08 | 2025-10-22 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5774832 | N/A | N/A |
| XXXX | 64743290 |  | XXXX | Closed | 2025-10-03 23:42 | 2025-10-10 07:42 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-If the borrower has less than XX months primary housing history verified, a XX-month satisfactory mortgage history from another REO owned by the borrower may be utilized. The subject property has XX months reviewed per Credit report on pg XX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached DSCR guide - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Borrower is staying as No primary housing expenses Lox is missing For Rent free. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached DSCR guide - Seller-XX/XX/XXXX<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5774783 | N/A | N/A |
| XXXX | 63960013 |  | XXXX | Closed | 2025-10-02 04:05 | 2025-10-07 05:21 | Resolved | 1 - Information C A | Credit | Credit | Verification of self employment is deficient. | Resolved-CPA states that the borrower has been doing business as a XXXX for XX years. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The borrower is a XXXX and doesn't have a business license and the CPA letter states they file schedule c.<br> CPA also states that the borrower has been doing business as a XXXX for XX years.<br> - Seller-XX/XX/XXXX <br> Open-P&L only program: Provide Business license for the past X years per guidelines. XXXXX XXXXX-XX/XX/XXXX.(Page#XX of XX) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The borrower is a XXXX and doesn't have a business license and the CPA letter states they file schedule c.<br> CPA also states that the borrower has been doing business as a XXXX for XX years.<br> - Seller-XX/XX/XXXX | Resolved-CPA states that the borrower has been doing business as a XXXX for XX years. Hence Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5746753 | N/A | N/A |
| XXXX | 60200523 |  | XXXX | Closed | 2025-10-03 06:43 | 2025-10-21 08:42 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached PCCD and LOE to the bwr Thank you! - Seller-XX/XX/XXXX <br>Counter-Primary residence, TRId disclosures provided in file. Missing Closing Disclosure with disbursement date of XX/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Final Settlement Statement evidencing disbursement on X-XX. - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXXX.XX(c) and Official Staff Commentary) Note date is XX/XX/XXXX and borrower signed on XX/XX/XXXX, right to cancel date changed to XX/XX/XXXX but final CD disbursement date reflecting as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached PCCD and LOE to the bwr Thank you! - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Final Settlement Statement evidencing disbursement on X-XX. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5763513 | N/A | N/A |
| XXXX | 60200523 |  | XXXX | Closed | 2025-10-03 05:57 | 2025-10-08 04:17 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-1004 Appraisal uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Primary Value has not been selected AVM is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-1004 Appraisal uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5763088 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 01:25 | 2025-10-14 07:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached initial LE dated X-XX - Seller-XX/XX/XXXX <br>Counter-unable to open PDF provided, please reupload - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower and Loan Originator and Signed on XX/XX/XXXX missing Initial Loan estimate dated within X business days of application date X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached initial LE dated X-XX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761927 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 01:12 | 2025-10-14 07:24 | Resolved | 1 - Information A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-data entry error - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) Initial Loan estimate Missing in the file, compliance run by mistake. Please Ignore this Finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial LE provided - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) Initial Loan estimate Missing in the file, compliance run by mistake. Please Ignore this Finding. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761888 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 01:12 | 2025-10-14 07:24 | Resolved | 1 - Information A | Compliance | TRID | Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application | Resolved-SPl provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-data entry error - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) Initial Loan estimate Missing in the file, compliance run by mistake. Please Ignore this Finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-SPl provided - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The List of Settlement Service Providers Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, the List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(vi); XXXX.XX(e)(X)(iii)) Initial Loan estimate Missing in the file, compliance run by mistake. Please Ignore this Finding. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761889 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 01:26 | 2025-10-10 07:34 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed missing in the file. Required Intent to procced document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761934 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 01:25 | 2025-10-09 03:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Requested Provider Service List provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Required Service Provider Service List. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Provider Service List provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761932 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 00:16 | 2025-10-09 02:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report for Borrower Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing required Gap credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Gap Credit Report for Borrower Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761663 | N/A | N/A |
| XXXX | 67783550 |  | XXXX | Closed | 2025-10-03 00:16 | 2025-10-09 02:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit Report for Borrower Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Credit Report is Missing. Required updated Credit report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Credit Report for Borrower Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 5761662 | N/A | N/A |
| XXXX | 67187877 |  | XXXX | Closed | 2025-10-07 07:37 | 2025-10-10 04:55 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Disbursement Date is missing or inaccurate | Resolved-Resolved received settlement statement showing disbursement the same day as closing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded Final Settlement - Seller-XX/XX/XXXX <br>Open-Final CD disbursement date is XX/XX/XXXX however borrower signed on XX/XX/XXXX with a notary date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Final CD disbursement date is XX/XX/XXXX however borrower signed on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded Final Settlement - Seller-XX/XX/XXXX<br>| Resolved-Resolved received settlement statement showing disbursement the same day as closing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 5801142 | N/A | N/A |
| XXXX | 67187877 |  | XXXX | Closed | 2025-10-07 07:46 | 2025-10-08 12:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved received affidavit of correction to correct the notary date to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded an affidavit of correction - Seller-XX/XX/XXXX <br>Open-Deed of trust has a notary date of XX/XX/XXXX. Deed of trust signature date of borrower XX/XX/XXXX. Disbursement date of XX/XX/XXXX with a final CD signature date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded an affidavit of correction - Seller-XX/XX/XXXX<br>| Resolved-Resolved received affidavit of correction to correct the notary date to XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Investment | Refinance | Cash Out - Other | 5801302 | N/A | N/A |
| XXXX | 65375553 |  | XXXX | Closed | 2025-10-04 06:32 | 2025-10-16 06:05 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Counter-Recording fees increased without a valid Change of Circumstance or sufficient lender credit. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Finding Added. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Finding Added. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 5775111 | N/A | N/A |
| XXXX | 65375553 |  | XXXX | Closed | 2025-10-04 06:32 | 2025-10-16 06:05 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attacahed - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Final CD and email from title officer - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XX.XX). The total amount of fees in the XX% category cannot exceed ($XX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording fee increased from Intial CD XX/XX/XXXX- page on # XXX Amount of $ XX to Final closing Disclosure XX/XX/XXXX page on # XXX amount $ XXX.XX without a valid COC or sufficient leder credit. Lender credit on the final Cd does not reflect "above legal limit" verbiage - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attacahed - Seller-XX/XX/XXXX <br>Ready for Review-Please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Final CD and email from title officer - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 5775112 | N/A | N/A |
| XXXX | 65375553 |  | XXXX | Closed | 2025-10-10 06:19 | 2025-10-10 10:24 | Resolved | 1 - Information C A | Compliance | Mavent | System: RuleEngine | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please clarify what is needed from XXXXXX' XXXXXX on this. Thank you - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Formula[LenderEntityType] Evaluation Failure. Error = LenderEntityType can't be empty. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please clarify what is needed from XXXXXX' XXXXXX on this. Thank you - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 5850594 | N/A | N/A |
| XXXX | 60913461 |  | XXXX | Closed | 2025-10-06 01:33 | 2025-10-10 08:53 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided executed anti steering disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Required Anti-streering document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided executed anti steering disclosure. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5778793 | N/A | N/A |
| XXXX | 60913461 |  | XXXX | Closed | 2025-10-06 00:19 | 2025-10-10 01:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party VOE with in 10 days not required, Verified from articles of org and business search which is with in 60 days from note date. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Bwr is S/E please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Required 3rd Party VVOE document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Bwr is S/E please see attached - Seller-XX/XX/XXXX<br>| Resolved-3rd party VOE with in 10 days not required, Verified from articles of org and business search which is with in 60 days from note date. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5778491 | N/A | N/A |
| XXXX | 60913461 |  | XXXX | Closed | 2025-10-06 01:44 | 2025-10-10 01:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative not required, verified ownership from articles of org. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Not required on 120 Products - Seller-XX/XX/XXXX <br>Open-Required Business Narrative document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Not required on 120 Products - Seller-XX/XX/XXXX<br>| Resolved-Business narrative not required, verified ownership from articles of org. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5778835 | N/A | N/A |
| XXXX | 65375553 |  | XXXX | Closed | 2025-10-04 06:32 | 2025-10-10 06:20 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Document Preparation Fee (Fee ID: 104) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Final CD and email from title officer - Seller-XX/XX/XXXX <br>Open-Section 6.2-328 of the XXXXXXXX Interest and Usury Provisions does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in XX. XXXXXXXX Interest and Usury Provisions does not allow Document Preparation Fee (Fee ID: 104) to be charged to the Borrower in XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Final CD and email from title officer - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 5775113 | N/A | N/A |
| XXXX | 61500190 |  | XXXX | Closed | 2025-10-03 00:50 | 2025-10-09 06:19 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing signed intent to proceed disclosure, Required on primary residence. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5761777 | N/A | N/A |
| XXXX | 61500190 |  | XXXX | Closed | 2025-10-02 23:24 | 2025-10-09 06:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 gap credit report is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5761486 | N/A | N/A |
| XXXX | 69553681 |  | XXXX | Closed | 2025-10-06 00:48 | 2025-10-10 02:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative not required per GL's, ownership verified through CPA. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-120 Product and does not apply - There is a confusion on the guides and product codes - applying the XXXXXXX XXXXXXXXX XXXXXXXXX guidelines to this file. They only apply to loan with XXXXXXX XXXXXXXXX XXXXXXXXX in the product code. Otherwise, XXXXXX should apply the XXXXX XXXXXXXXX XXXXXXXXX guidelines - Seller-XX/XX/XXXX <br>Open-Self employment business narrative is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-120 Product and does not apply - There is a confusion on the guides and product codes - applying the XXXXXXX XXXXXXXXX XXXXXXXXX guidelines to this file. They only apply to loan with XXXXXXX XXXXXXXXX XXXXXXXXX in the product code. Otherwise, XXXXXX should apply the XXXXX XXXXXXXXX XXXXXXXXX guidelines - Seller-XX/XX/XXXX<br>| Resolved-Business narrative not required per GL's, ownership verified through CPA. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5778602 | N/A | N/A |
| XXXX | 69553681 |  | XXXX | Closed | 2025-10-06 01:15 | 2025-10-09 03:24 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Requested Anti-Steering Disclosure provided, updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fees paid by lender but anti steering document is missing in file, - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Anti-Steering Disclosure provided, updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | UT | Primary Residence | Refinance | Cash Out - Other | 5778710 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 03:46 | 2025-10-23 21:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Requested final 1003 provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing Final 1003 is missing in file. 1003 in file is for a different borrower - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested final 1003 provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5848996 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 03:49 | 2025-10-15 06:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Required initial and final Business Purpose document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Present', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5849014 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 12:06 | 2025-10-15 06:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Lock confirmation is missing file unable to determine if borrower paid down rate to have no prepayment penalty - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5858398 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 03:54 | 2025-10-15 03:32 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Note is Missing Note for subject property is missing in file. Note provided is for a different property address - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Note document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5849032 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 03:57 | 2025-10-15 03:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Requested Deed of Trust & associated riders provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of trust is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Deed of Trust & associated riders provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5849044 | N/A | N/A |
| XXXX | 61944624 |  | XXXX | Closed | 2025-10-10 04:54 | 2025-10-15 03:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested final hud-1 provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Final HUD1 - DSCR no CD - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Final Closing disclosure. is missing in file. CD in file is for a different property address - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Final HUD1 - DSCR no CD - Seller-XX/XX/XXXX<br>| Resolved-Requested final hud-1 provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5849519 | N/A | N/A |
| XXXX | 63660274 |  | XXXX | Closed | 2025-10-05 23:29 | 2025-10-23 21:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Initial 1003 Is missing Loan Originator Signature. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial 1003 provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5778272 | N/A | N/A |
| XXXX | 63660274 |  | XXXX | Closed | 2025-10-08 09:05 | 2025-10-10 07:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Cd is not signed and disclosure tracking was not provided - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5819995 | N/A | N/A |
| XXXX | 60877875 |  | XXXX | Closed | 2025-10-06 04:01 | 2025-11-05 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Borrower gap credit report is missing in file as per lender guidelines page #19 we need gap credit report with in 10 business days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Gap report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | RI | Primary Residence | Refinance | Cash Out - Other | 5779443 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 06:47 | 2025-10-24 09:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Final 1003 is Missing Final 1003 is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5780929 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-10 04:03 | 2025-10-14 12:13 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided settlement statement confirming disbursement date. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. File Disbursed on X/XX - please see attached supporting documents Final SS and Disbursement Ledger - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXXX X, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX XXXXXX XXXXXXXXXX and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. File Disbursed on X/XX - please see attached supporting documents Final SS and Disbursement Ledger - Seller-XX/XX/XXXX<br>| Resolved-Lender provided settlement statement confirming disbursement date. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5849120 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 08:02 | 2025-10-14 12:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final CD provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Final closing disclosure is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-TRID: Final Closing Disclosure Provided - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Final CD provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5782341 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 06:54 | 2025-10-14 12:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender provided fully executed DOT. Finding resolved. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - - Seller-XX/XX/XXXX <br>Counter-At time of review, attachment missing. Finding countered. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Please see attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of trust document is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - - Seller-XX/XX/XXXX <br>Ready for Review-Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Deed of Trust is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Lender provided fully executed DOT. Finding resolved. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5781014 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 08:20 | 2025-10-10 04:05 | Resolved | 1 - Information C A | Compliance | Late:Grace | California - Minimum Grace Period (DRE) | Resolved- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The grace period in this transaction is 0.0 days. Under the California Real Estate Law, the grace period must be at least 10 days. (Cal. Bus. & Prof. Code 10242.5) Right to cancel document is missing in file, condition added for the same. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5782908 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 06:51 | 2025-10-10 03:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Note doc provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Note is Missing Note document is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Note is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Note doc provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5780986 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 08:24 | 2025-10-10 02:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to cancel doc provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Notice of right to recession cancel document is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Right to cancel doc provided. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5782988 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 07:11 | 2025-10-10 01:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA not required per XXXX, ownership verified through articles of org. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Not Required per XXXXX - Seller-XX/XX/XXXX <br>Open-Borrower 1 CPA Letter Missing CPA letter is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Not Required per XXXXX - Seller-XX/XX/XXXX<br>| Resolved-CPA not required per XXXX, ownership verified through articles of org. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5781339 | N/A | N/A |
| XXXX | 61230513 |  | XXXX | Closed | 2025-10-06 07:56 | 2025-10-10 01:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Business narrative not required per XXXX, ownership verified through articles of org. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XXXXX for 2nd Business Narrative Not Required - per mgmt "using our XXXXX XXXXX XXXXXXXX XXXXXXXX to review this file and not the XXXXX XXXXX XXXXXXXX XXXXXXXX." I think that is what may have happened - Seller-XX/XX/XXXX <br>Open-Self employed business narrative is missing in file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached XXXXX for 2nd Business Narrative Not Required - per mgmt "using our XXXXX XXXXX XXXXXXXX XXXXXXXX to review this file and not the XXXXX XXXXX XXXXXXXX XXXXXXXX." I think that is what may have happened - Seller-XX/XX/XXXX<br>| Resolved-Business narrative not required per XXXX, ownership verified through articles of org. Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5782230 | N/A | N/A |
| XXXX | 65152835 |  | XXXX | Closed | 2025-10-10 01:27 | 2025-10-21 14:03 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The loan fees (XXXXXXX) exceed the (MD2014) High Cost fee limit, which is (XXXXXXX), the difference is (XXXXXXX). - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 5848483 | N/A | N/A |
| XXXX | 65152835 |  | XXXX | Closed | 2025-10-10 01:11 | 2025-10-18 14:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated 1008. Finding resolved. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. For REO property 'XXX XXXXXXX XXXX', actual rent amount is 3,500 from final 1003 and XX% of 3,500 = 2,625 - current monthly mortgage amount at page #385 2872 = monthly negative income is -247 but under final 1003 and 1008 rental income considered as 3,213 due to the rental income DTI and HTI discrepancy occurred and we need updated 1008. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated 1008. Finding resolved. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The 1008 document is present in the loan file. - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 5848417 | N/A | N/A |
| XXXX | 65152835 |  | XXXX | Closed | 2025-10-09 23:15 | 2025-10-17 03:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Executed DOT provided.<br> - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Deed of trust document is missing in file - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Executed DOT provided.<br> - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present - XXXX XXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | MD | Primary Residence | Refinance | Cash Out - Other | 5847925 | N/A | N/A |
| XXXX | 65646753 |  | XXXX | Closed | 2025-10-08 02:23 | 2025-10-17 10:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Resolved, COC received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-COC for lender credit on initial CD not attached. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased from Revised LE $-X,XXX to Initial CD $X,XXX need COC for Initial CD dated XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved, COC received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5815531 | N/A | N/A |
| XXXX | 64064565 |  | XXXX | Closed | 2025-10-10 10:09 | 2025-10-24 06:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We do not require a rider for the DOT as the Rider to the Note is sufficient see attached - All pages of Rider attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete 1-4 Family Rider page 1 is missing in file. & Prepayment rider check box is not checked on the Deed Of Trust and Prepayment Rider is missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We do not require a rider for the DOT as the Rider to the Note is sufficient see attached - All pages of Rider attached - Seller-XX/XX/XXXX<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 5854535 | N/A | N/A |
| XXXX | 64064565 |  | XXXX | Closed | 2025-10-10 09:20 | 2025-10-22 07:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 5853602 | N/A | N/A |
| XXXX | 64064565 |  | XXXX | Closed | 2025-10-10 11:14 | 2025-10-21 03:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested Third Party Fraud Report is provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Fraud Report Document is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested Third Party Fraud Report is provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CO | Investment | Refinance | Cash Out - Other | 5857341 | N/A | N/A |
| XXXX | 66504285 |  | XXXX | Closed | 2025-10-15 05:12 | 2025-10-21 04:51 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated 1008 with representative FICO and Risk Assessment has been provided. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-The attached 1008 is missing the representative Fico score and Risk Assessment selections. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. The provided 1008 is missing the representative score and Risk Assessment selections. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated 1008 with representative FICO and Risk Assessment has been provided. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5898148 | N/A | N/A |
| XXXX | 62458950 |  | XXXX | Closed | 2025-10-15 00:44 | 2025-10-27 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Lender provided PCCD with disbursement date XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provided final CD pg-XXX reflecting disbursement date as XX/XX/XXXX , whereas notary date is on XX/XX/XXXX. Require updated final CD with corrected disbursement date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided PCCD with disbursement date XX/XX/XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5896931 | N/A | N/A |
| XXXX | 62458950 |  | XXXX | Closed | 2025-10-20 12:38 | 2025-10-27 06:19 | Resolved | 1 - Information C A | Compliance | Compliance | TRID CD disclosure violation; Closing Disclosure is missing the Mortgage Lender's NMLS ID. | Resolved-Resolved. Lender provided a PCCD with the lender NMLS. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Final CD in file does not list the lender NMLS. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided a PCCD with the lender NMLS. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5949672 | N/A | N/A |
| XXXX | 62458950 |  | XXXX | Closed | 2025-10-15 02:34 | 2025-10-22 14:21 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Resolved. Lender provided a copy of the note for the new mortgage on XXXX XXXXXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Note for XXXX XXXXXXXXXXX Xxxxx - Seller-XX/XX/XXXX <br>Open-Missing proof of new XXXXXXXXXX mortgage on XXXX XXXXXXXXXXX Xxxxx with $X,XXX.XX payment and $XXX,XXX balance. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Note for XXXX XXXXXXXXXXX Xxxxx - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided a copy of the note for the new mortgage on XXXX XXXXXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5897349 | N/A | N/A |
| XXXX | 69334998 |  | XXXX | Closed | 2025-10-15 00:51 | 2025-10-23 11:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved. Provided PCCD has been reviewed and XXXXXXXX has been updated to reflect the document. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure DOT disbursement date XX/XX/XXXX is after the disbursement date of XX/XX/XXXX in final CD. Provide updated documentation - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Provided PCCD has been reviewed and XXXXXXXX has been updated to reflect the document. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5896960 | N/A | N/A |
| XXXX | 69334998 |  | XXXX | Closed | 2025-10-14 21:41 | 2025-10-23 11:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Resolved. Provided PCCD has been reviewed and XXXXXXXX has been updated to reflect the document. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated Prepayment is $XX,XXX whereas per Final CD it is $XX,XXX. Provide updated document with correct prepayment - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Provided PCCD has been reviewed and XXXXXXXX has been updated to reflect the document. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5896243 | N/A | N/A |
| XXXX | 69334998 |  | XXXX | Closed | 2025-10-20 06:11 | 2025-10-23 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved. Updated document has been received confirming Risk Assessment and Representative FICO. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. updated 1008 - Seller-XX/XX/XXXX <br>Open-The 1008 document is missing from the loan file. The provided 1008 does not list a selection in the Risk Assessment section or the borrower's representative credit score - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. updated 1008 - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Updated document has been received confirming Risk Assessment and Representative FICO. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5944294 | N/A | N/A |
| XXXX | 69334998 |  | XXXX | Closed | 2025-10-15 00:25 | 2025-10-22 04:13 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Verification of mortgage payment (Note) provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. verification of mortgage payment - Seller-XX/XX/XXXX <br>Open-REO-XXXXX XXXXXXX XXXXXX - Final 1003 page#1400 reflects additional mortgage with payment of $X,XXX.XX. Provide documentation to verify the mortgage payment - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. verification of mortgage payment - Seller-XX/XX/XXXX<br>| Resolved-Verification of mortgage payment (Note) provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 5896862 | N/A | N/A |
| XXXX | 60373662 |  | XXXX | Closed | 2025-10-15 00:35 | 2025-11-20 07:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Finding resolved, entered property taxes from tax cert. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per UW: I took the Escrow Amount of $X,XXX.XX and deducted the HOI of $XXX.XX, which came out to $XXX.XX. The taxes per title report are XXX.XX per month. - Buyer-XX/XX/XXXX <br>Counter-Final 1003 property tax does not match the amount listed on the provided tax cert. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Tax amount is not matching in provided Tax cert. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Finding resolved, entered property taxes from tax cert. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5896898 | N/A | N/A |
| XXXX | 60373662 |  | XXXX | Closed | 2025-10-17 07:57 | 2025-11-12 00:10 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage amount of $XXX,XXX is same as the Loan Amount $XXX,XXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $X is Less than Loan Amount Insufficient coverage listed on the title report. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Title Policy uploaded, Title Coverage amount of $XXX,XXX is same as the Loan Amount $XXX,XXX, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5929644 | N/A | N/A |
| XXXX | 61153457 |  | XXXX | Closed | 2025-10-17 01:00 | 2025-10-22 13:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 187,. Rate lock date was entered correctly – see Pg#'s 401. An interior and exterior appraisal was completed for this property – see pg# 23, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 161, and confirmation the appraisal was delivered to the borrower – see Pg#'s 160. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 187,. Rate lock date was entered correctly – see Pg#'s 401. An interior and exterior appraisal was completed for this property – see pg# 23, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 161, and confirmation the appraisal was delivered to the borrower – see Pg#'s 160. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | PA | Primary Residence | Refinance | Cash Out - Other | 5926673 | N/A | N/A |
| XXXX | 66234164 |  | XXXX | Closed | 2025-10-20 16:08 | 2025-10-21 15:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Fraud report per AE shows the years the business is activity. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Per the guideline section 8.8.2, the business being used to source income must be in existence for a minimum of two (2) year as evidenced by one of the following: CPA Letter or Business or other reasonable evidence of business activity. The CPA letter used for income does not state how long the business has been operating. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Fraud report per AE shows the years the business is activity. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5951904 | N/A | N/A |
| XXXX | 66514042 |  | XXXX | Closed | 2025-10-19 22:39 | 2025-10-27 10:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-3rd Party VOE document is present in file. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Required 3rd Party VOE document for XXXXXXXX XXXXXX XXXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-3rd Party VOE document is present in file. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5942502 | N/A | N/A |
| XXXX | 66514042 |  | XXXX | Closed | 2025-10-19 23:40 | 2025-10-27 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Lender provided business narrative. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Not required - Seller-XX/XX/XXXX <br>Open-Required Business narrative document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Not required - Seller-XX/XX/XXXX<br>| Resolved-Lender provided business narrative. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5942729 | N/A | N/A |
| XXXX | 66514042 |  | XXXX | Closed | 2025-10-19 22:53 | 2025-10-27 10:34 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached updated FICO - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. As per Guidelines as We have considered as Primary wage earner score where's previous UW considered as Lowest Method. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached updated FICO - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated 1008. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5942537 | N/A | N/A |
| XXXX | 65334280 |  | XXXX | Closed | 2025-10-21 05:47 | 2025-10-29 06:21 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provided Intent to proceed disclosure not signed . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5955315 | N/A | N/A |
| XXXX | 60512447 |  | XXXX | Closed | 2025-10-22 00:46 | 2025-10-31 10:49 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. loan disbursed X.X - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXXXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. (XXX XX, XX XXX XXXXXXXX) The loan disbursement date XXXX-XX-XX is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" XXXX-XX-XX. Under XXXXXXXXXXXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. loan disbursed X.X - Seller-XX/XX/XXXX<br>| Resolved-PCCD received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5967213 | N/A | N/A |
| XXXX | 60512447 |  | XXXX | Closed | 2025-10-22 06:57 | 2025-10-31 10:35 | Resolved | 1 - Information C A | Credit | Credit | DTI discrepancy or failure. | Resolved-DTI updates received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-DTI updates not included. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The originator calculated DTI of XX.XXX% \\ XX.XX%, whereas the audited DTI is XX.XX% / XX.XX%. The discrepancy appears to be due to the calculation of first lien including PITIA which duplicates the escrow amount. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-DTI updates received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5969375 | N/A | N/A |
| XXXX | 60512447 |  | XXXX | Closed | 2025-10-21 22:32 | 2025-10-31 10:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of Property Tax cert is missing in file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Property Tax is present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 5966758 | N/A | N/A |
| XXXX | 65165382 |  | XXXX | Closed | 2025-10-21 10:56 | 2025-11-05 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Counter-Title document not attached. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Buyer-XX/XX/XXXX <br>Open-Title Document is missing Missing title showing updated vesting. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Title Document is fully Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5960508 | N/A | N/A |
| XXXX | 65165382 |  | XXXX | Closed | 2025-10-21 10:21 | 2025-11-04 09:32 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-CPA Prepared P&L - No bank statements. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Missing X month business bank statements to validate the top line gross revenue from the CPA prepared P&L. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Waived-CPA Prepared P&L - No bank statements. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  | DTI is XX.XX%. Maximum allowed per guidelines is XX%.<br> LTV is XX.XX%. Maximum allowed per guidelines is XX%.<br> Residual income $XX,XXX.XX | CA | Primary Residence | Refinance | Cash Out - Other | 5959978 | Originator Post-Close | Yes |
| XXXX | 66167527 |  | XXXX | Closed | 2025-10-22 05:22 | 2025-10-27 07:36 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering disclosure. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-XXXXXXXXXXXXXXXX acknowledges missing disc - Buyer-XX/XX/XXXX <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure which is missing in file. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Acknowledged-Client acknowledges missing anti-steering disclosure. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5968380 | Investor Post-Close | No |
| XXXX | 66167527 |  | XXXX | Closed | 2025-10-22 01:23 | 2025-10-27 03:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Lo Sign is Missing in initial XXXX, Provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-The Initial XXXX is Missing Loan Officer Signature is missing in initial XXXX document. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Lo Sign is Missing in initial XXXX, Provided the same, changes made in system, Finding Resolved - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-The Initial XXXX is Present - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 5967399 | N/A | N/A |
| XXXX | 67420758 |  | XXXX | Closed | 2025-10-23 10:32 | 2025-11-10 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-XXXXXC received - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXXX-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Executed XXXXX-T Missing Borrower X Executed XXXXXC absent from the file. XXXXXXXXX XXXXX XX - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-XXXXXC received - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Executed XXXXX-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5990771 | N/A | N/A |
| XXXX | 67420758 |  | XXXX | Closed | 2025-10-23 10:32 | 2025-11-10 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-IRS Transcripts received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Open-Borrower X IRS Transcripts Missing Borrower X IRS Transcripts absent from the file. XXXXXXXXX XXXXX XX - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-IRS Transcripts received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-Borrower X IRS Transcripts Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5990772 | N/A | N/A |
| XXXX | 67420758 |  | XXXX | Closed | 2025-10-23 10:32 | 2025-11-10 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 Executed 4506-T Missing | Resolved-Borrower X Executed XXXXX-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-XXXX-X received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Executed XXXXX-T Missing Borrower X Executed XXXXXC. XXXXXXXXX XXXXX XX. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX |  | Resolved-Borrower X Executed XXXXX-T Provided or Not Applicable (Number of Borrowers equals X) - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX <br>Resolved-XXXX-X received. - XXXXXXXXXXXXXXXXXXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5990773 | N/A | N/A |
| XXXX | 67420758 |  | XXXX | Closed | 2025-10-23 10:32 | 2025-11-10 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 3 IRS Transcripts Missing | Resolved-Borrower 3 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/27/2025 <br>Open-Borrower 3 IRS Transcripts Missing Borrower 3 IRS Transcripts. Vista Point GL. - Due Diligence Vendor-10/23/2025 |  | Resolved-Borrower 3 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 3) - Due Diligence Vendor-10/27/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5990774 | N/A | N/A |
| XXXX | 67420758 |  | XXXX | Closed | 2025-10-23 10:05 | 2025-10-28 08:20 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Two of the 4 units are < 600 sq ft - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. - Buyer-10/27/2025 <br>Open-Loan does not conform to program guidelines Two of the 4 units are < 600 sq ft. - Due Diligence Vendor-10/23/2025 |  | Waived-Loan does not conform to program guidelines Two of the 4 units are < 600 sq ft - Due Diligence Vendor-10/28/2025<br>| XXXX |  | Credit Score is 762. Minimum required 720<br> LTV is 23.17%/CLTV 58.39. Maximum allowed per guidelines is 80%. | CA | Primary Residence | Refinance | Cash Out - Other | 5990262 | Originator Post-Close | Yes |
| XXXX | 63249354 |  | XXXX | Closed | 2025-10-21 05:19 | 2025-12-16 10:48 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. - Buyer-10/26/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount $XXXX - Due Diligence Vendor-10/21/2025 |  | Resolved-Title coverage is less than loan amount, provided updated title, changes made in system, Finding Resolved<br> - Due Diligence Vendor-10/27/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/27/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5955151 | N/A | N/A |
| XXXX | 65152557 |  | XXXX | Closed | 2025-10-23 08:47 | 2025-10-31 06:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-10/31/2025 <br>Resolved- - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. FINAL CD SHOWS CURE OF $98 FOR CREDIT REPORT FEE - Seller-10/29/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Credit Report fee decreased from $75 to 0 on the 10/6 CD then increased to $98 on the Final CD - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. FINAL CD SHOWS CURE OF $98 FOR CREDIT REPORT FEE - Seller-10/29/2025<br>| Resolved- - Due Diligence Vendor-10/31/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5988107 | N/A | N/A |
| XXXX | 65152557 |  | XXXX | Closed | 2025-10-22 05:27 | 2025-10-31 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Reopened with Mavent run. Loan passes the Mavent checks - Due Diligence Vendor-10/31/2025 <br>Open- - Due Diligence Vendor-10/31/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.017%) equals or exceeds the California HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.32%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #252 and the Final Closing disclosure on Pg#182 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 435', An interior and exterior appraisal was completed for this property – see pg#43, the appraisal disclosure was provided to the borrower(s)- see Pg#532and confirmation the appraisal was delivered to the borrower – see Pg#'s 220 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-10/22/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-Reopened with Mavent run. Loan passes the Mavent checks - Due Diligence Vendor-10/31/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.017%) equals or exceeds the California HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.32%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #252 and the Final Closing disclosure on Pg#182 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 435', An interior and exterior appraisal was completed for this property – see pg#43, the appraisal disclosure was provided to the borrower(s)- see Pg#532and confirmation the appraisal was delivered to the borrower – see Pg#'s 220 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-10/22/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5968422 | N/A | N/A |
| XXXX | 65152557 |  | XXXX | Closed | 2025-10-22 05:27 | 2025-10-31 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened with Mavent run. Loan passes the Mavent checks - Due Diligence Vendor-10/31/2025 <br>Open- - Due Diligence Vendor-10/31/2025 <br>Resolved-The loan's (12.017%) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #252 and the Final Closing disclosure on Pg#182 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 435', An interior and exterior appraisal was completed for this property – see pg#43, the appraisal disclosure was provided to the borrower(s)- see Pg#532and confirmation the appraisal was delivered to the borrower – see Pg#'s 220 The loan meets HPML guidelines. Hence condition Rescinded. - Due Diligence Vendor-10/22/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-Reopened with Mavent run. Loan passes the Mavent checks - Due Diligence Vendor-10/31/2025 <br>Resolved-The loan's (12.017%) APR equals or exceeds the Federal HPML threshold of (9.82%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #252 and the Final Closing disclosure on Pg#182 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 435', An interior and exterior appraisal was completed for this property – see pg#43, the appraisal disclosure was provided to the borrower(s)- see Pg#532and confirmation the appraisal was delivered to the borrower – see Pg#'s 220 The loan meets HPML guidelines. Hence condition Rescinded. - Due Diligence Vendor-10/22/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5968423 | N/A | N/A |
| XXXX | 60504076 |  | XXXX | Closed | 2025-10-23 01:52 | 2025-10-23 01:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.079%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver is not required as loan type is 2nd lien and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 151. Rate lock date was entered correctly – see Pg#'s 416 An interior and exterior appraisal was completed for this property – see pg# 21, 35 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 136, 558 and confirmation the appraisal was delivered to the borrower – see Pg#'s 242. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Resolved-The loan's (10.079%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, escrow waiver is not required as loan type is 2nd lien and loan information is on Pg#'s 416 and the Final Closing disclosure on Pg#'s 151. Rate lock date was entered correctly – see Pg#'s 416 An interior and exterior appraisal was completed for this property – see pg# 21, 35 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 136, 558 and confirmation the appraisal was delivered to the borrower – see Pg#'s 242. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 5983145 | N/A | N/A |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-24 09:07 | 2025-10-31 11:09 | Waived | 2 - Non-Material C B | Compliance | Mavent | NJ Fee Not Allowed- NJ Superior Courts (Fee ID: 998) | Waived-Waived. - Due Diligence Vendor-10/31/2025 <br>Resolved-Waived. Per compliance, downgraded to an EV2. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see Title's Estimated CD provided for their Fee Breakdown which shows the $10 fee paid to the courts was for the Patriot search completed. Can this please be waived. - Seller-10/29/2025 <br>Open-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow NJ Superior Courts (Fee ID: 998) to be charged to the Borrower in NJ. Lender to advise what the NJ Superior Courts Fee is for. - Due Diligence Vendor-10/28/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see Title's Estimated CD provided for their Fee Breakdown which shows the $10 fee paid to the courts was for the Patriot search completed. Can this please be waived. - Seller-10/29/2025<br>| Waived-Waived. - Due Diligence Vendor-10/31/2025 <br>Resolved-Waived. Per compliance, downgraded to an EV2. - Due Diligence Vendor-10/31/2025<br>| XXXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6004994 | Investor Post-Close | No |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-23 10:24 | 2025-10-28 10:50 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Broker Fees (Fee ID: 99) | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Broker Fees (Fee ID: 99) to be charged to the Borrower in NJ. The New Jersey Residential Mortgage Lending Act, does not allow Broker Fee. The statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Broker Fees (Fee ID: 99) to be charged to the Borrower in NJ. The New Jersey Residential Mortgage Lending Act, does not allow Broker Fee. The statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5990618 | Investor Post-Close | No |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-23 10:24 | 2025-10-24 15:32 | Waived | 1 - Information A | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/23/2025 <br>Open- - Due Diligence Vendor-10/23/2025 |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Flood Certification Fee (Fee ID: 102) to be charged to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-10/23/2025<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5990620 | Investor Post-Close | No |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-23 10:24 | 2025-10-24 15:31 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in NJ. The New Jersey Residential Mortgage Lending Act, does not allow Tax Related Service Fee. The statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Tax Related Service Fee (Fee ID: 107) to be charged to the Borrower in NJ. The New Jersey Residential Mortgage Lending Act, does not allow Tax Related Service Fee. The statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5990621 | Investor Post-Close | No |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-23 10:24 | 2025-10-24 15:30 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Closing Protection Letter (Fee ID: 55) to be charged to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. 17:11C-80; N.J. ADC 3:15-9.2) does not allow Closing Protection Letter (Fee ID: 55) to be charged to the Borrower in NJ. The NJ Prohibited Fees Statute does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5990619 | Investor Post-Close | No |
| XXXX | 60454851 |  | XXXX | Closed | 2025-10-23 10:24 | 2025-10-24 15:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 306 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 672', An interior and exterior appraisal was completed for this property – see pg#64, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 276 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 306 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 672', An interior and exterior appraisal was completed for this property – see pg#64, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 276 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 5990622 | N/A | N/A |
| XXXX | 66436620 |  | XXXX | Closed | 2025-10-27 05:26 | 2025-10-31 14:53 | Resolved | 1 - Information D A | Credit | Credit | Spousal Consent Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. Missing spousal consent. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 6019276 | N/A | N/A |
| XXXX | 66436620 |  | XXXX | Closed | 2025-10-27 08:02 | 2025-10-28 05:02 | Resolved | 1 - Information B A | Credit | Doc Issue | Occupancy Certification is Missing | Resolved-Resolved, received occupancy affidavit. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Doc. was in closing package on page 55. - Seller-XX/XX/XXXX <br>Open-Missing Occupancy Affidavit. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Doc. was in closing package on page 55. - Seller-XX/XX/XXXX<br>| Resolved-Resolved, received occupancy affidavit. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Investment | Refinance | Cash Out - Other | 6020525 | N/A | N/A |
| XXXX | 67544394 |  | XXXX | Closed | 2025-10-27 09:46 | 2025-11-03 14:10 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Lender provided PCCD with a $XX.XX credit. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing valid change of circumstance or additional credit for the increase of the credit report fee. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided PCCD with a $XX.XX credit. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6023171 | N/A | N/A |
| XXXX | 67544394 |  | XXXX | Closed | 2025-10-24 03:40 | 2025-10-29 13:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Resolved. Initial signed 1003 provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing Initial signed 1003 is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Initial signed 1003 provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6000988 | N/A | N/A |
| XXXX | 67086777 |  | XXXX | Closed | 2025-10-26 06:29 | 2025-10-29 06:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to cancel doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Open-Right of Rescission is Missing Required Signed Right to cancel document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| Resolved-Right to cancel doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6016432 | N/A | N/A |
| XXXX | 68634060 |  | XXXX | Closed | 2025-10-29 14:38 | 2025-10-31 07:11 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing initial 1003 is missing MLO signature and date - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6059067 | N/A | N/A |
| XXXX | 67273547 |  | XXXX | Closed | 2025-10-23 23:17 | 2025-10-28 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 110 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 337', An interior and exterior appraisal was completed for this property – see pg# 592, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 151 The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 110 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 337', An interior and exterior appraisal was completed for this property – see pg# 592, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 151 The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5999953 | N/A | N/A |
| XXXX | 67273547 |  | XXXX | Closed | 2025-10-23 23:17 | 2025-10-28 05:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.231%) APR equals or exceeds the Federal HPML threshold of (9.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.73%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 110 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 337', An interior and exterior appraisal was completed for this property – see pg# 592, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 151 The loan meets HPML guidelines. Hence condition. Resolved. - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/28/2025 <br>Open- - Due Diligence Vendor-10/24/2025 <br>Open- - Due Diligence Vendor-10/24/2025 |  | Resolved-The loan's (11.231%) APR equals or exceeds the Federal HPML threshold of (9.23%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.73%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 110 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 337', An interior and exterior appraisal was completed for this property – see pg# 592, the appraisal disclosure was provided to the borrower(s)- see Pg#863 and confirmation the appraisal was delivered to the borrower – see Pg#'s 151 The loan meets HPML guidelines. Hence condition. Resolved. - Due Diligence Vendor-10/24/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5999955 | N/A | N/A |
| XXXX | 68777522 |  | XXXX | Closed | 2025-10-26 03:55 | 2025-11-04 01:18 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Executed Final CD provided, updated & condition resolved. - Due Diligence Vendor-11/04/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/04/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/03/2025 <br>Open-TRID: Missing Final Closing Disclosure Borrowers signatures are missing in final CD. - Due Diligence Vendor-10/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/03/2025<br>| Resolved-Requested Executed Final CD provided, updated & condition resolved. - Due Diligence Vendor-11/04/2025 <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-11/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6016345 | N/A | N/A |
| XXXX | 68777522 |  | XXXX | Closed | 2025-10-26 04:18 | 2025-10-29 07:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.109%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, Final Closing disclosure on Pg#'s 182, Rate lock date was entered correctly – see Pg#'s 455. An interior and exterior appraisal was completed for this property – see pg# 10, 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 146, and confirmation the appraisal was delivered to the borrower – see Pg#'s 140. - Due Diligence Vendor-10/26/2025 <br>Open- - Due Diligence Vendor-10/26/2025 |  | Resolved-The loan's (11.109%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, Final Closing disclosure on Pg#'s 182, Rate lock date was entered correctly – see Pg#'s 455. An interior and exterior appraisal was completed for this property – see pg# 10, 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 146, and confirmation the appraisal was delivered to the borrower – see Pg#'s 140. - Due Diligence Vendor-10/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6016355 | N/A | N/A |
| XXXX | 68777522 |  | XXXX | Closed | 2025-10-26 04:18 | 2025-10-29 07:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.109%) equals or exceeds the California HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, Final Closing disclosure on Pg#'s 182, Rate lock date was entered correctly – see Pg#'s 455. An interior and exterior appraisal was completed for this property – see pg# 10, 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 146, and confirmation the appraisal was delivered to the borrower – see Pg#'s 140. <br> - Due Diligence Vendor-10/26/2025 <br>Open- - Due Diligence Vendor-10/26/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.109%) equals or exceeds the California HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.31%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, Final Closing disclosure on Pg#'s 182, Rate lock date was entered correctly – see Pg#'s 455. An interior and exterior appraisal was completed for this property – see pg# 10, 24 the appraisal disclosure was provided to the borrower(s)- see Pg#'s 146, and confirmation the appraisal was delivered to the borrower – see Pg#'s 140. <br> - Due Diligence Vendor-10/26/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6016354 | N/A | N/A |
| XXXX | 66326028 |  | XXXX | Closed | 2025-10-27 06:18 | 2025-11-07 06:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved. Lender provided CPA letter within 30 days of note date. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Yes, you're correct, Please see attached - Letter from business tax professional. Thank you - Seller-11/05/2025 <br> Counter-Not cleared. The lender is referencing the Non-QM Guidelines, but the subject loan is a CES. The loan approval in file lists the program as XXXX- 2nd 00 30 Yr Fixed and Doc Type as Full Documentation. Per the CES guidelines, Section 8.4.1, For self-employed verify existence of business within 30-days of the note date. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Lender notes the Business for XXXX XXXX dated XXXX, satisfies the SE verification which requires to be verified within 60days of the note. Please see NON QM section 5.1.26, Which states - Verification for Self-Employed Borrowers: Verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: a CTEC registered tax preparer has filed or reviewed at least the previous year of tax returns. - Seller-10/31/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Per guidelines, section 8.4.1, For self-employed verify existence of business within 30-days of the note date with one of the following: 1. Letter from business tax professional. 2. On-line verification from regulatory agency or licensing bureau or 3. Certification verifying business existence through direct contact or internet search. CPA letter in file is dated XXXX which is not within 30 days of note date XXXX. - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Yes, you're correct, Please see attached - Letter from business tax professional. Thank you - Seller-11/05/2025 <br> Ready for Review-Lender notes the Business for XXXX XXXX dated XXXX, satisfies the SE verification which requires to be verified within 60days of the note. Please see NON QM section 5.1.26, Which states - Verification for Self-Employed Borrowers: Verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: a CTEC registered tax preparer has filed or reviewed at least the previous year of tax returns. - Seller-10/31/2025 | Resolved-Resolved. Lender provided CPA letter within 30 days of note date. - Due Diligence Vendor-11/07/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 6019712 | N/A | N/A |
| XXXX | 68619556 |  | XXXX | Closed | 2025-10-26 22:49 | 2025-11-03 03:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested 3rd Party VOE provided, updated & condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. The borrower is self employed. The loan file included the attached CPA letter on page 345 as required per guidelines; which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: CPA Verification". - Seller-10/31/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Required Updated VVOE for "LA BEST CLEANING" - Due Diligence Vendor-10/27/2025 | Ready for Review-Document Uploaded. The borrower is self employed. The loan file included the attached CPA letter on page 345 as required per guidelines; which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the note date. Acceptable methods of business verification include: CPA Verification". - Seller-10/31/2025<br>| Resolved-Requested 3rd Party VOE provided, updated & condition resolved. - Due Diligence Vendor-11/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-11/03/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6017746 | N/A | N/A |
| XXXX | 68852319 |  | XXXX | Closed | 2025-11-04 05:37 | 2025-11-14 15:07 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 328 and the Final Closing disclosure on Pg. 163 reflects escrows. Rate lock date was entered correctly – see Pg. 161. An interior and exterior appraisal was completed for this property – see Pg. 55 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 141, 139 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Please provide more information regarding the HPML qualifications for this loan and how we can remedy the condition. Thank you - Seller-11/05/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Rate lock date was entered correctly – see Pg#'s 383. An interior and exterior appraisal was completed for this property – see pg 27, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 474. confirmation the appraisal was delivered to the borrower on page #MISSING. The loan does not meets HPML guidelines.<br> - Due Diligence Vendor-11/04/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.19%) equals or exceeds the California HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) - Due Diligence Vendor-11/04/2025 | Ready for Review-Please provide more information regarding the HPML qualifications for this loan and how we can remedy the condition. Thank you - Seller-11/05/2025<br>| Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 328 and the Final Closing disclosure on Pg. 163 reflects escrows. Rate lock date was entered correctly – see Pg. 161. An interior and exterior appraisal was completed for this property – see Pg. 55 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 141, 139 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-11/07/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6111229 | N/A | N/A |
| XXXX | 68852319 |  | XXXX | Closed | 2025-11-04 05:37 | 2025-11-14 15:06 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg. 328 and the Final Closing disclosure on Pg. 163 reflects escrows. Rate lock date was entered correctly – see Pg. 161. An interior and exterior appraisal was completed for this property – see Pg. 55 , the appraisal disclosure was provided to the borrower(s) and copy of the appraisal was given to the borrower – see Pg. 141, 139 for the copy of the disclosure. The loan meets HPML guidelines. Finding resolved. - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open- - Due Diligence Vendor-11/07/2025 <br>Open-The loan's (11.19%) APR equals or exceeds the Federal HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-11/04/2025 |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6111232 | N/A | N/A |
| XXXX | 68852319 |  | XXXX | Closed | 2025-11-04 05:37 | 2025-11-14 13:24 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-11/14/2025 <br> Resolved- - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Counter-Not Cleared. Lender provided an estimated settlement statement. The final CD in file shows disbursement of XXXX which is same date as expiration of the right to cancel. - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Open- - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. This loan did not disburse until XXXX. - Seller-11/05/2025 <br> Open-The loan disbursement date (XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. This loan did not disburse until XXXX. - Seller-11/05/2025 | Resolved-Resolved. Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-11/14/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6111231 | N/A | N/A |
| XXXX | 68852319 |  | XXXX | Closed | 2025-10-29 05:50 | 2025-11-10 03:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Resolved. Lender provided the LE dated XXXX. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Resolved-Not cleared. Missing LE dated XXXX. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. - Seller-11/03/2025 <br> Open-Initial Loan Estimate is Missing dated XXXX as well as missing re-disclosed loan estimates dated XXXX and XXXX - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. - Seller-11/07/2025 <br>Ready for Review-Document Uploaded. - Seller-11/03/2025<br>| Resolved-Resolved. Lender provided the LE dated XXXX. - Due Diligence Vendor-11/17/2025 <br> Resolved-Not cleared. Missing LE dated XXXX. - Due Diligence Vendor-11/07/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6048694 | N/A | N/A |
| XXXX | 68852319 |  | XXXX | Closed | 2025-11-04 05:37 | 2025-11-07 06:01 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Resolved. Lender provided initial CD. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial CD is received XX/XX/XXXX. - Seller-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXXXXXXXX); XXXXXXXXXXXX)) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial CD is received XX/XX/XXXX. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided initial CD. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6111230 | N/A | N/A |
| XXXX | 67568716 |  | XXXX | Closed | 2025-10-29 05:44 | 2025-10-30 08:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6048653 | N/A | N/A |
| XXXX | 67568716 |  | XXXX | Closed | 2025-10-29 05:44 | 2025-10-30 08:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXXX; XX CFR XXXXXXXXXX) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXXX; XX CFR XXXXXXXXXX) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6048652 | N/A | N/A |
| XXXX | 61055249 |  | XXXX | Closed | 2025-10-31 06:44 | 2025-11-14 10:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved. received Lender income calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX <br>Counter-Section X.X.X of XXXXXXXXXX state, "stand-alone loans using bank statement program must include Seller's income calculations, or XXXXX's income calculation worksheet detailing income calculations" - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XXXX has the income calc equation - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached XXXX has the income calc equation - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved. received Lender income calculation worksheet. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6080144 | N/A | N/A |
| XXXX | 61055249 |  | XXXX | Closed | 2025-10-31 07:19 | 2025-11-04 09:37 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-XX% CLTV max per XXXXX XX Xnd matrix for loan amounts over $XXXXXX<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached, Exception used for final loan approval - Seller-XX/XX/XXXX <br>Open-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Per Matrix dated XX/XX/XXXX the max LTV for a P&L loan with loan amount up to $XXXXXX is XX% LTV. Current LTV is XX.XX%. Need to obtain lender exception with compensating factors. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached, Exception used for final loan approval - Seller-XX/XX/XXXX<br>| Waived-XX% CLTV max per XXXXX XX Xnd matrix for loan amounts over $XXXXXX<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  | FICO XX points above min. Guidelines require XXX while the borrower has a XXX score<br> XxXxX. Guidelines required XX months of clear credit history | CA | Primary Residence | Refinance | Cash Out - Other | 6080580 | Originator Pre-Close | Yes |
| XXXX | 65285727 |  | XXXX | Closed | 2025-10-30 02:17 | 2025-10-31 13:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6062884 | N/A | N/A |
| XXXX | 65285727 |  | XXXX | Closed | 2025-10-30 02:17 | 2025-10-31 13:25 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXXX; XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXXX; XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg# XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# XXX, An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6062883 | N/A | N/A |
| XXXX | 63955287 |  | XXXX | Closed | 2025-10-30 01:50 | 2025-11-05 03:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Requested DOT with B2 Sign Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Non borrower signer signature is missing- XXXXXXX XXXXXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Requested DOT with B2 Sign Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6062772 | N/A | N/A |
| XXXX | 63955287 |  | XXXX | Closed | 2025-10-30 05:02 | 2025-11-04 07:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. <br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXXXXXXXX) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXXXXXXX)Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXXXXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. <br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6063868 | N/A | N/A |
| XXXX | 68970550 |  | XXXX | Closed | 2025-10-31 06:49 | 2026-01-21 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX <br>Open-Resolved. Lender provided VOE. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX <br>Counter-Per Section X.X for wage/salary borrowers a VVOE from each employer within XX-days of the note date is required. Borrower X is wage earner and the file is missing the XX day VVOE. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please escalate for manager review and waive finding, Lender notes XXX XXXXXXXXX only specifies the verification required within XX days of note only on "Full income documentation" Scenarios, per Section X.X. - Seller-XX/XX/XXXX <br>Open-Borrower X 3rd Party VOE Prior to Close Missing Per guidelines section X.X, A verbal VOE from each employer within XX-days of the note date for wage and salaried employees. The work number in file was verified on XX/XX/XXXX and the note date is XX/XX/XXXX. The work number is not within XX days of the note date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX <br>Ready for Review-Please escalate for manager review and waive finding, Lender notes XXX XXXXXXXXX only specifies the verification required within XX days of note only on "Full income documentation" Scenarios, per Section X.X. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6080202 | N/A | N/A |
| XXXX | 68970550 |  | XXXX | Closed | 2025-10-31 02:01 | 2025-11-14 10:32 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. Lender provided PCCD with updated disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached PCCD with correct disbursement date - Seller-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) The right to cancel expiration date is XX/XX/XXXX and the Final CD disbursement date is XX/XX/XXXX. Funds may not be disbursed to the borrower until after the expiration of the rescission period. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached PCCD with correct disbursement date - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided PCCD with updated disbursement date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6078412 | N/A | N/A |
| XXXX | 61123855 |  | XXXX | Closed | 2025-10-31 10:42 | 2025-11-05 05:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved. Lender. provided PCCD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. BORROWER SHOPPED- CD AND SSPL ATTACHED - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Notary Fee, Wire Transfer Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). There is no change of circumstances for the wire transfer fee and notary fee added on the XX/X/XX and XX/XX/XX CD's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. BORROWER SHOPPED- CD AND SSPL ATTACHED - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender. provided PCCD. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | IL | Investment | Refinance | Cash Out - Other | 6084697 | N/A | N/A |
| XXXX | 66846861 |  | XXXX | Closed | 2025-11-03 01:27 | 2025-11-06 06:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s XXX. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan does not meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 6094087 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-11-12 03:41 | 2025-11-13 08:45 | Resolved | 1 - Information C A | Compliance | Late:Amount | South Carolina - Maximum Late Fee | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The South Carolina Consumer Protection Code requires the late fee be the lesser of X% of the payment amount or ($XX.XX). A minimum charge of ($XX.XX) is allowed. (S.C. Code Ann. 37-3-105) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6219623 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-11-12 03:41 | 2025-11-13 08:45 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | South Carolina - Days Used For Interest Calculation | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Days in Year Number used to calculate the interim interest is (XXX.X). The South Carolina Consumer Protection Code requires XXX days, or XXX in a leap year, used for the interest calculation. (S.C. Code Ann. 37-3-201(4)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6219624 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-11-12 03:41 | 2025-11-13 08:45 | Resolved | 1 - Information C A | Compliance | Mavent | Interest: DaysInYear | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Interest Days in Year used to calculate the interest is (XXXXXXXX XXX). The South Carolina Consumer Protection Code requires XXX days used for the interest calculation. (S.C. Code Ann. 37-3-201(4)) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6219625 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-10-31 13:33 | 2025-11-13 08:38 | Resolved | 1 - Information C A | Compliance | TRID | 365 Days Interest Schedule | Resolved-Validation resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-2nd lien with Property State in (WA, IN, MI, SC) and Interest Days in Years is XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6087627 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-11-06 06:58 | 2025-11-12 07:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing MLO signature - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6152012 | N/A | N/A |
| XXXX | 66012474 |  | XXXX | Closed | 2025-10-31 13:41 | 2025-11-12 03:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Note date is XX/XX/XXXX but borrower has signed Final CD in file on XX/XX/XXXX and issue date is XX/XX/XXXX considered as PCCD. Final Cd is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Final CD provided. Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | SC | Primary Residence | Refinance | Cash Out - Other | 6087756 | N/A | N/A |
| XXXX | 69363702 |  | XXXX | Closed | 2025-11-06 07:48 | 2025-11-12 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The Initial 1003 is Missing MLO signature - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-The Initial 1003 is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6152764 | N/A | N/A |
| XXXX | 69363702 |  | XXXX | Closed | 2025-10-31 08:54 | 2025-11-10 02:46 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested Final Title Policy provided with coverage amount that covers loan amount, updated & condition resolved. - Due Diligence Vendor-11/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/10/2025 <br> Ready for Review-Document Uploaded. Please see attached Supplement - Seller-11/07/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Title coverage amount of $XXXX is less than loan amount of $XXXX we need updated title report. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see attached Supplement - Seller-11/07/2025<br>| Resolved-Requested Final Title Policy provided with coverage amount that covers loan amount, updated & condition resolved. - Due Diligence Vendor-11/10/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-11/10/2025 | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6082264 | N/A | N/A |
| XXXX | 69363702 |  | XXXX | Closed | 2025-10-31 10:51 | 2025-11-06 08:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.05%) APR equals or exceeds the Federal HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 239, . Rate lock date was entered correctly – see Pg#'s 436. An interior and exterior appraisal was completed for this property – see pg# 15,36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines. - Due Diligence Vendor-10/31/2025 <br>Open- - Due Diligence Vendor-10/31/2025 |  | Resolved-The loan's (11.05%) APR equals or exceeds the Federal HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.22%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 239, . Rate lock date was entered correctly – see Pg#'s 436. An interior and exterior appraisal was completed for this property – see pg# 15,36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines. - Due Diligence Vendor-10/31/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6084818 | N/A | N/A |
| XXXX | 69363702 |  | XXXX | Closed | 2025-10-31 10:51 | 2025-11-06 08:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.05%) equals or exceeds the California HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 239, . Rate lock date was entered correctly – see Pg#'s 436. An interior and exterior appraisal was completed for this property – see pg# 15,36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines. - Due Diligence Vendor-10/31/2025 <br>Open- - Due Diligence Vendor-10/31/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.05%) equals or exceeds the California HPML threshold of (9.72%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.22%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 239, . Rate lock date was entered correctly – see Pg#'s 436. An interior and exterior appraisal was completed for this property – see pg# 15,36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 515, and confirmation the appraisal was delivered to the borrower – see Pg#'s 214. The loan meets HPML guidelines. - Due Diligence Vendor-10/31/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6084817 | N/A | N/A |
| XXXX | 62391127 |  | XXXX | Closed | 2025-11-03 22:42 | 2025-11-04 12:27 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Client elects to waive with the following compensating factors:<br> Exception see findings for loan amount of $XXXX being less than the guideline requirement of $XXXX. - Due Diligence Vendor-11/04/2025 <br> Ready for Review-Document Uploaded. - Seller-11/04/2025 <br> Open-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. - Seller-11/04/2025<br>| Waived-Client elects to waive with the following compensating factors:<br> Exception see findings for loan amount of $XXXX being less than the guideline requirement of $XXXX. - Due Diligence Vendor-11/04/2025 | XXXX |  | Guideline CLTV 85%, Qualifying CLTV 74.38%<br> Guideline Min FICO 680, Qualifying FICO 694<br> Guideline DTI 50%, Qualifying Total Debt Income Ratio 39.95<br> Guideline Required Reserves, Qualifying Total Reserves 17 | CA | Investment | Refinance | Cash Out - Other | 6109317 | Originator Pre-Close | Yes |
| XXXX | 64992601 |  | XXXX | Closed | 2025-11-03 23:30 | 2025-11-06 16:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.314%) APR equals or exceeds the Federal HPML threshold of (10.13%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien loan, no escrow available. Rate lock date was entered correctly – see Pg#'s 347, 146 An interior and exterior appraisal was completed for this property – see pg 34-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 424 , and copy of the appraisal was given to the borrower – see Pg#'s 424 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/06/2025 <br>Open- - Due Diligence Vendor-11/04/2025 <br>Open- - Due Diligence Vendor-11/04/2025 |  | Resolved-The loan's (10.314%) APR equals or exceeds the Federal HPML threshold of (10.13%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.63%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien loan, no escrow available. Rate lock date was entered correctly – see Pg#'s 347, 146 An interior and exterior appraisal was completed for this property – see pg 34-52, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 424 , and copy of the appraisal was given to the borrower – see Pg#'s 424 for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-11/04/2025<br>|  |  |  | TN | Primary Residence | Refinance | Cash Out - Other | 6109516 | N/A | N/A |
| XXXX | 62410391 |  | XXXX | Closed | 2025-11-04 01:27 | 2025-11-14 08:40 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-11/14/2025 <br>Ready for Review-Fico to be updated on 1008 - my apologies occupancy is investment for both - Seller-11/13/2025 <br>Counter-For Visa Point CES 2nd liens on page 17 of guidelines a non-occupant co borrower is ineligible. - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Hello, B1 is a Non-Occupying Co-Bwr see attached final executed URLA, therefore per guides B2's FICO is utilized only. Thank you, - Seller-11/10/2025 <br>Open-Qualifying FICO on the 1008 Page is '706' or blank, but the Qualifying FICO from the Credit Liabilities Page is '708' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '706' , but the Qualifying FICO from the Credit Liabilities Page is '708' Qualifying Qualifying FICO Method is considered as "Primary Wage Earner Mid Score" <br> - Due Diligence Vendor-11/04/2025 | Ready for Review-Fico to be updated on 1008 - my apologies occupancy is investment for both - Seller-11/13/2025 <br>Ready for Review-Document Uploaded. Hello, B1 is a Non-Occupying Co-Bwr see attached final executed URLA, therefore per guides B2's FICO is utilized only. Thank you, - Seller-11/10/2025<br>| Resolved-Validation Resolved - Due Diligence Vendor-11/14/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6109867 | N/A | N/A |
| XXXX | 62410391 |  | XXXX | Closed | 2025-11-03 23:55 | 2025-11-12 03:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 provided. Resolved - Due Diligence Vendor-11/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2025 <br>Open-The Initial 1003 is Missing Initial 1003 is missing in file. - Due Diligence Vendor-11/04/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/10/2025<br>| Resolved-The Initial 1003 provided. Resolved - Due Diligence Vendor-11/12/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6109595 | N/A | N/A |
| XXXX | 68313042 |  | XXXX | Closed | 2025-11-04 06:19 | 2025-11-07 11:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.275%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 145, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 376. An interior and exterior appraisal was completed for this property – see pg 30-33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 120, and confirmation the appraisal was delivered to the borrower – see Pg#'s 121. The loan meets HPML guidelines.<br> Escrow waiver is missing in file. - Due Diligence Vendor-11/04/2025 <br>Open- - Due Diligence Vendor-11/04/2025 <br>Open- - Due Diligence Vendor-11/04/2025 |  | Resolved-The loan's (12.275%) APR equals or exceeds the Federal HPML threshold of (9.81%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.31%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, and the Final Closing disclosure on Pg#'s 145, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 376. An interior and exterior appraisal was completed for this property – see pg 30-33, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 120, and confirmation the appraisal was delivered to the borrower – see Pg#'s 121. The loan meets HPML guidelines.<br> Escrow waiver is missing in file. - Due Diligence Vendor-11/04/2025<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6111814 | N/A | N/A |
| XXXX | 60460713 |  | XXXX | Closed | 2025-11-10 08:34 | 2025-11-13 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved- - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/11/2025 <br>Open-Per 1008 Lease rent is $3500, missing lease in file. Per guidelines refinance vacant single units eligible only with documentation of previous rent history with in the last 6 months which is missing in file - Due Diligence Vendor-11/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/11/2025<br>|  | XXXX |  |  | RI | Investment | Refinance | Cash Out - Other | 6192857 | N/A | N/A |
| XXXX | 60460713 |  | XXXX | Closed | 2025-11-05 04:22 | 2025-11-13 07:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved- - Due Diligence Vendor-11/13/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/11/2025 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit Disclosure Is missing in file. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/11/2025<br>|  | XXXX |  |  | RI | Investment | Refinance | Cash Out - Other | 6129164 | N/A | N/A |
| XXXX | 65242139 |  | XXXX | Closed | 2025-11-05 04:48 | 2025-11-06 08:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 86 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 355', An interior and exterior appraisal was completed for this property – see pg# 37, the appraisal disclosure was provided to the borrower(s)- see Pg#469 and confirmation the appraisal was delivered to the borrower – see Pg#'s 348 The loan meets HPML guidelines. Hence condition - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 86 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 355', An interior and exterior appraisal was completed for this property – see pg# 37, the appraisal disclosure was provided to the borrower(s)- see Pg#469 and confirmation the appraisal was delivered to the borrower – see Pg#'s 348 The loan meets HPML guidelines. Hence condition - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6129385 | N/A | N/A |
| XXXX | 65242139 |  | XXXX | Closed | 2025-11-05 04:48 | 2025-11-06 08:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 86 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 355', An interior and exterior appraisal was completed for this property – see pg# 37, the appraisal disclosure was provided to the borrower(s)- see Pg#469 and confirmation the appraisal was delivered to the borrower – see Pg#'s 348 The loan meets HPML guidelines. Hence condition - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg# 86 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 355', An interior and exterior appraisal was completed for this property – see pg# 37, the appraisal disclosure was provided to the borrower(s)- see Pg#469 and confirmation the appraisal was delivered to the borrower – see Pg#'s 348 The loan meets HPML guidelines. Hence condition - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6129383 | N/A | N/A |
| XXXX | 66138953 |  | XXXX | Closed | 2025-11-05 05:02 | 2025-11-26 06:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached PCCD w/ LOX - Seller-XX/XX/XXXX <br>Counter-Subject property is a primary residence with TRID disclosures, a PCCD is required to match with settlement statement provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Final Certified SS from title, evidencing cash to bwr and actual recording associated fees - breakdown 72.00, 23.00 and 150.00. - Seller-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Recording fee has increased from $XXX to $XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached PCCD w/ LOX - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see Final Certified SS from title, evidencing cash to bwr and actual recording associated fees - breakdown 72.00, 23.00 and 150.00. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6129510 | N/A | N/A |
| XXXX | 66138953 |  | XXXX | Closed | 2025-11-05 05:02 | 2025-11-26 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-re-ran mavent - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 142, Rate lock date was entered correctly – see Pg#'s 309 An interior and exterior appraisal was completed for this property – see pg# 9, 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 387, and confirmation the appraisal was delivered to the borrower – see Pg#'s 112. The loan meets HPML guidelines,. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-re-ran mavent - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 142, Rate lock date was entered correctly – see Pg#'s 309 An interior and exterior appraisal was completed for this property – see pg# 9, 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 387, and confirmation the appraisal was delivered to the borrower – see Pg#'s 112. The loan meets HPML guidelines,. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6129509 | N/A | N/A |
| XXXX | 66138953 |  | XXXX | Closed | 2025-11-05 05:02 | 2025-11-26 06:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-re-ran mavent - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 142, Rate lock date was entered correctly – see Pg#'s 309 An interior and exterior appraisal was completed for this property – see pg# 9, 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 387, and confirmation the appraisal was delivered to the borrower – see Pg#'s 112. The loan meets HPML guidelines,.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-re-ran mavent - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien no escrows, the Final Closing disclosure on Pg#'s 142, Rate lock date was entered correctly – see Pg#'s 309 An interior and exterior appraisal was completed for this property – see pg# 9, 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 387, and confirmation the appraisal was delivered to the borrower – see Pg#'s 112. The loan meets HPML guidelines,.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6129511 | N/A | N/A |
| XXXX | 67913639 |  | XXXX | Closed | 2025-11-10 02:43 | 2025-11-14 08:45 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is '685' or blank, but the Qualifying FICO from the Credit Liabilities Page is '687' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is '685' But Qualifying FICO from the Credit Liabilities Page is '687 considered as Primary Wage Earner hence Required updated 1008 Document With Qualifying Fico As 687.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6189208 | N/A | N/A |
| XXXX | 67913639 |  | XXXX | Closed | 2025-11-10 02:12 | 2025-11-14 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower is Qualifying with 12 months bank statement income Hence 3rd Party VOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6189083 | N/A | N/A |
| XXXX | 67913639 |  | XXXX | Closed | 2025-11-10 02:12 | 2025-11-14 08:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Co- Borrower is Qualifying with 12 months bank statement income Hence 3rd Party VOE is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6189084 | N/A | N/A |
| XXXX | 67913639 |  | XXXX | Closed | 2025-11-12 14:21 | 2025-11-14 08:42 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6229893 | N/A | N/A |
| XXXX | 64686475 |  | XXXX | Closed | 2025-11-14 06:15 | 2025-12-10 03:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Requested Previous Note Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The active 1st lien. opened on 4/21, for the subject is from XXXXXX XXXXXXX XX. The note in file lists and CBR lists a paid status without evidence of transfer. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Previous Note Provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6250840 | N/A | N/A |
| XXXX | 64686475 |  | XXXX | Closed | 2025-11-14 04:25 | 2025-11-17 06:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XX, Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX, XX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XX, Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX, XX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6249809 | N/A | N/A |
| XXXX | 64686475 |  | XXXX | Closed | 2025-11-14 04:25 | 2025-11-17 06:33 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XX, Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX, XX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XX, Rate lock date was entered correctly – see Pg#'s XX An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX, XX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6249810 | N/A | N/A |
| XXXX | 63952652 | 8010180214 | XXXX | Closed | 2025-11-12 23:59 | 2025-11-20 06:23 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing Signed Intent to Proceed Disclosure In file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233222 | N/A | N/A |
| XXXX | 63952652 | 8010180214 | XXXX | Closed | 2025-11-12 23:39 | 2025-11-20 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial Closing Disclosure and any revised Closing disclosures and/or changed of circumstances that may apply is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233135 | N/A | N/A |
| XXXX | 63952652 | 8010180214 | XXXX | Closed | 2025-11-12 23:35 | 2025-11-20 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - the XX/XX Disclosures and COC were unchecked in our system and therefore not delivered to you. - Seller-XX/XX/XXXX <br>Open-Initial Loan Estimate and any revised Loan estimate and/or Change or circumstances are Missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - the XX/XX Disclosures and COC were unchecked in our system and therefore not delivered to you. - Seller-XX/XX/XXXX<br>|  | XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233121 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-18 10:46 | 2025-12-31 10:48 | Resolved | 1 - Information C A | Compliance | Fees:Limited | California - Maximum Payoff Demand Fee | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Per title lox these are valid fees see attached email along with the two payoff fees title paid - Seller-XX/XX/XXXX <br>Open-Under the California Civil Code, a payoff demand fee may not exceed $XX. (Cal. Civ. Code XXXX(e)(X)) State specific finding. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per title lox these are valid fees see attached email along with the two payoff fees title paid - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6291372 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-22 11:52 | 2025-11-26 11:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender provided COC for fee changes. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached Lender Attestation to support COC dated XX/XX, Lock Conf dated XX/XX COCs dated XX/XX and XX/XX - thank you - Seller-XX/XX/XXXX <br>Counter-Broker fee as disclosed on Initial CD is listed as $XXXX, broker fee as listed on Final CD issued is listed as $XXXX without proper COC. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please advise of cure amount Hello, I'm not seeing any lender credits charge to the borrower on any of the disclosures and not at final. Did you mean the points on the XX/XX CD listed in the amount of X.XXX% XXX.XX to the final dated XX/XX of XXXX.XX? Please advise of cure amount. Thank you - Seller-XX/XX/XXXX <br>Open-Broker fee increased at Final CD without COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Lender Attestation to support COC dated XX/XX, Lock Conf dated XX/XX COCs dated XX/XX and XX/XX - thank you - Seller-XX/XX/XXXX <br>Ready for Review-Please advise of cure amount Hello, I'm not seeing any lender credits charge to the borrower on any of the disclosures and not at final. Did you mean the points on the XX/XX CD listed in the amount of X.XXX% XXX.XX to the final dated XX/XX of XXXX.XX? Please advise of cure amount. Thank you - Seller-XX/XX/XXXX<br>| Resolved-Lender provided COC for fee changes. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6354592 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-22 11:52 | 2025-11-26 11:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Lender provided COC for fee changes. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached COC regarding lender credits dated XX/XX - Seller-XX/XX/XXXX <br>Counter-Document Uploaded. Attached are screenshots from both Initial CD showing lender credit iao $XXXX.XX and Final CD showing lender credit iao $XXXX.XX without proper COC for reason of change. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Hello, I'm not seeing any lender credits charge to the borrower on any of the disclosures and not at final. Did you mean the points on the XX/XX CD listed in the amount of X.XXX% XXX.XX to the final dated XX/XX of XXXX.XX? Please advise of cure amount. Thank you - Seller-XX/XX/XXXX <br>Open-Lender credits decreased at Final CD without evidence of COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i); XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached COC regarding lender credits dated XX/XX - Seller-XX/XX/XXXX <br>Ready for Review-Hello, I'm not seeing any lender credits charge to the borrower on any of the disclosures and not at final. Did you mean the points on the XX/XX CD listed in the amount of X.XXX% XXX.XX to the final dated XX/XX of XXXX.XX? Please advise of cure amount. Thank you - Seller-XX/XX/XXXX<br>| Resolved-Lender provided COC for fee changes. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6354591 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-18 10:46 | 2025-11-22 11:52 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - thank you - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-CD provided is issued XX/XX, missing initial disclosure XX/XX. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see initial CD dated XX/XX - Seller-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - thank you - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see initial CD dated XX/XX - Seller-XX/XX/XXXX<br>| Resolved-Lender provided Initial CD. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6291373 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-18 10:44 | 2025-11-20 10:16 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Homeownership Counseling Disclosure Is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Lender provided housing counselor list. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6291320 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-13 01:01 | 2025-11-18 10:45 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Lender provided executed intent to proceed. Finding resolved. - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025 <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document is missing in file as loan type is primary refinance we need intent to proceed document. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025<br>| Resolved-Lender provided executed intent to proceed. Finding resolved. - Due Diligence Vendor-11/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233449 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-13 01:01 | 2025-11-18 02:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025 <br>Open-Service provider list is missing in file. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025<br>| Resolved-Service Provider List uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233459 | N/A | N/A |
| XXXX | 61930572 | 8010180263 | XXXX | Closed | 2025-11-13 00:59 | 2025-11-18 02:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025 <br>Open-Initial LE is missing in file, to test the compliance we need initial LE. - Due Diligence Vendor-11/13/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/17/2025<br>| Resolved-Initial Loan Estimate uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-11/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6233447 | N/A | N/A |
| XXXX | 64950431 |  | XXXX | Closed | 2025-11-14 00:13 | 2025-11-20 05:39 | Resolved | 1 - Information C A | Compliance | Compliance | RESPA violation; missing Written Settlement Services Provider List. | Resolved-SPL provided and cleared. - Due Diligence Vendor-11/20/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open-Title fees moved from section C to Section B. SPL provider name for title fees is not matching with Final CD Title fee provider. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-SPL provided and cleared. - Due Diligence Vendor-11/20/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6248589 | N/A | N/A |
| XXXX | 64950431 |  | XXXX | Closed | 2025-11-13 23:51 | 2025-11-19 05:48 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-ALTA statement breaking down the recording fees, was provided and updated accordingly. - Due Diligence Vendor-11/19/2025 <br>Resolved- - Due Diligence Vendor-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-11/18/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open-Washington requires every borrower in a residential mortgage loan to pay an $80 Foreclosure Prevention Fee. The System did not find an $80 fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "Washington Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) Loan failed Foreclosure Prevention Fee - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. - Seller-11/18/2025<br>| Resolved-ALTA statement breaking down the recording fees, was provided and updated accordingly. - Due Diligence Vendor-11/19/2025<br>| XXXX |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 6248483 | N/A | N/A |
| XXXX | 61406992 |  | XXXX | Closed | 2025-11-18 13:43 | 2025-11-26 06:38 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Disclosure tracking provided - Due Diligence Vendor-11/26/2025 <br> Resolved- - Due Diligence Vendor-11/26/2025 <br> Ready for Review-Document Uploaded. Please see attached Disclosure Tracking - Thank you. - Seller-11/25/2025 <br> Counter-Initial Cd dated XXXX is not signed and a disclosure tracking was not provided. Missing signed initial Cd or disclosure tracking for initial CD - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see comment on other item - Supplemental Taxes in Sec H 99.70 removed leaving 116.96 with a portion of the the credit report moved to paid before closing in the amount of 117.02 POC and 1.28 PAC - Seller-11/19/2025 <br> Open-The Initial Closing Disclosure was provided on (XXXX) via (Other). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XXXX), for consummation to occur on (XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD is not signed, there is no disclosure tracking in file for initial CD, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XXXX) - Due Diligence Vendor-11/18/2025 <br> Open- - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. Please see attached Disclosure Tracking - Thank you. - Seller-11/25/2025 <br>Ready for Review-Document Uploaded. Please see comment on other item - Supplemental Taxes in Sec H 99.70 removed leaving 116.96 with a portion of the the credit report moved to paid before closing in the amount of 117.02 POC and 1.28 PAC - Seller-11/19/2025<br>| Resolved-Disclosure tracking provided - Due Diligence Vendor-11/26/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6295033 | N/A | N/A |
| XXXX | 61406992 |  | XXXX | Closed | 2025-11-14 13:48 | 2025-11-26 06:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-re-ran mavent - Due Diligence Vendor-11/26/2025 <br>Open- - Due Diligence Vendor-11/26/2025 <br>Resolved-re ran compliance - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.033%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg#29 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 360', An interior and exterior appraisal was completed for this property – see pg# 53, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to the borrower – see Pg#'s 164 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 |  | Resolved-re-ran mavent - Due Diligence Vendor-11/26/2025 <br>Resolved-re ran compliance - Due Diligence Vendor-11/24/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.033%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg#29 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 360', An interior and exterior appraisal was completed for this property – see pg# 53, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to the borrower – see Pg#'s 164 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-11/14/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6259730 | N/A | N/A |
| XXXX | 61406992 |  | XXXX | Closed | 2025-11-14 13:48 | 2025-11-26 06:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-re-ran mavent - Due Diligence Vendor-11/26/2025 <br>Open- - Due Diligence Vendor-11/26/2025 <br>Resolved-re ran compliance - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 <br>Resolved-The loan's (12.033%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg#29 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 360', An interior and exterior appraisal was completed for this property – see pg# 53, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to the borrower – see Pg#'s 164 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/18/2025 <br>Open- - Due Diligence Vendor-11/14/2025 <br>Open- - Due Diligence Vendor-11/14/2025 |  | Resolved-re-ran mavent - Due Diligence Vendor-11/26/2025 <br>Resolved-re ran compliance - Due Diligence Vendor-11/24/2025 <br>Resolved-The loan's (12.033%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # and the Final Closing disclosure on Pg#29 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 360', An interior and exterior appraisal was completed for this property – see pg# 53, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to the borrower – see Pg#'s 164 The loan meets HPML guidelines. Hence condition Resolved. - Due Diligence Vendor-11/14/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6259731 | N/A | N/A |
| XXXX | 69279608 |  | XXXX | Closed | 2025-11-14 01:52 | 2025-11-19 04:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Resolved. RCE documentation provided and review. LauraMac has been updated to reflect - Due Diligence Vendor-11/19/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Counter-Please provide a copy of the previously mentioned RCE - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Following XXXX) guidance, the property insurance policy must provide the claims to be settled on a replacement cost basis. The coverage amount must be at least equal to the lesser of: 100% of the replacement cost of the improvements as of the current property insurance effective date OR the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. Please see attached RCE. The coverage is sufficient. - Seller-11/14/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Section 2.13.1 of guidelines state the requirements for insurance coverage which have not been satisfied. The provided policy lists coverage iao $XXXX without guaranteed or adjusted replacement cost. This value does not cover the unpaid balance of all liens with $XXXX from the present loan and an unpaid balance of $XXXX for the XXXX XXXX mortgage. - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Ready for Review-Following XXXX) guidance, the property insurance policy must provide the claims to be settled on a replacement cost basis. The coverage amount must be at least equal to the lesser of: 100% of the replacement cost of the improvements as of the current property insurance effective date OR the unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements. Please see attached RCE. The coverage is sufficient. - Seller-11/14/2025 | Resolved-Resolved. RCE documentation provided and review. LauraMac has been updated to reflect - Due Diligence Vendor-11/19/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-11/19/2025 | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6248922 | N/A | N/A |
| XXXX | 69279608 |  | XXXX | Closed | 2025-11-14 06:17 | 2025-11-17 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Resolved. Client clarification received. LauraMac has been updated to reflect. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. XXXX requests the photo ID from borrowers; however, as a general rule, it is not required on Agency and Non QM loans. IDs are only required on Government loans. The Notary obtained and completed attached forms for both borrowers are required. - Seller-11/14/2025 <br> Open-Provide a copy of the borrower's driver's license to verify the values provided on the Patriot Act - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. XXXX requests the photo ID from borrowers; however, as a general rule, it is not required on Agency and Non QM loans. IDs are only required on Government loans. The Notary obtained and completed attached forms for both borrowers are required. - Seller-11/14/2025 | Resolved-Resolved. Client clarification received. LauraMac has been updated to reflect. - Due Diligence Vendor-11/17/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6250867 | N/A | N/A |
| XXXX | 69279608 |  | XXXX | Closed | 2025-11-14 06:17 | 2025-11-17 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Resolved. Client clarification received. LauraMac has been updated to reflect. - Due Diligence Vendor-11/17/2025 <br> Ready for Review-Document Uploaded. XXXX requests the photo ID from borrowers; however, as a general rule, it is not required on Agency and Non QM loans. IDs are only required on Government loans. The Notary obtained and completed attached forms for both borrowers are required. - Seller-11/14/2025 <br> Open-Provide a copy of the borrower's driver's license to verify the values provided on the Patriot Act - Due Diligence Vendor-11/14/2025 | Ready for Review-Document Uploaded. XXXX requests the photo ID from borrowers; however, as a general rule, it is not required on Agency and Non QM loans. IDs are only required on Government loans. The Notary obtained and completed attached forms for both borrowers are required. - Seller-11/14/2025 | Resolved-Resolved. Client clarification received. LauraMac has been updated to reflect. - Due Diligence Vendor-11/17/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6250864 | N/A | N/A |
| XXXX | 69130218 |  | XXXX | Closed | 2025-11-20 06:10 | 2025-11-24 09:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC not required for additional lender credit of $XXXX as it was a cost to cure and benefits the borrower - Due Diligence Vendor-11/24/2025 <br> Counter-recording fees increased more than 10% from 317 to 375, when max is 348.70. the difference is 26.30. A lender credit was added to the final closing CD on XXXX in the amount of XXXX without a change of circumstance which is required - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Would you please provide more information about this condition? A COC for a lender credit is not required. Can you please confirm what this condition is requesting us to provide? - Seller-11/21/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. recording fee increased from 317 to 375, lender credit for XXXX added with no COC dated within 3 days of XXXX - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($476.30) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-11/20/2025 | Ready for Review-Would you please provide more information about this condition? A COC for a lender credit is not required. Can you please confirm what this condition is requesting us to provide? - Seller-11/21/2025<br>| Resolved-COC not required for additional lender credit of $26.30 as it was a cost to cure and benefits the borrower - Due Diligence Vendor-11/24/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6318099 | N/A | N/A |
| XXXX | 69130218 |  | XXXX | Closed | 2025-11-18 00:16 | 2025-11-21 06:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-received missing disclosure - resolved - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Provide Revised LE dated XXXX missing in loan file (COC for missing LE in file on page#181) - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-received missing disclosure - resolved - Due Diligence Vendor-11/21/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6284024 | N/A | N/A |
| XXXX | 68376482 |  | XXXX | Closed | 2025-11-18 02:30 | 2025-11-20 04:29 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-12 months housing history verified. Per current mortgage shows 4 months and previous closed mortgage shows 42 months reviewed. Hence resolved - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Primary months reviewed is 4 per CBR, As per guideline XXXX: For Cash-out - 6 months current senior lien reporting on credit report, OR VOM from an institutional lender/Legally inherited property supported by cancelled checks to senior lien required Title is showing deed recorded date of XXXX - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025<br>| Resolved-12 months housing history verified. Per current mortgage shows 4 months and previous closed mortgage shows 42 months reviewed. Hence resolved - Due Diligence Vendor-11/20/2025<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6284595 | N/A | N/A |
| XXXX | 68043528 | 8010182366 | XXXX | Closed | 2025-11-21 00:20 | 2025-11-24 10:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.756%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.2nd lien no escrows, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s 446. An interior and exterior appraisal was completed for this property – see pg# 47, 54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 182. The loan meets HPML guidelines.<br>- Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.756%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.2nd lien no escrows, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s 446. An interior and exterior appraisal was completed for this property – see pg# 47, 54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 182. The loan meets HPML guidelines.<br>- Due Diligence Vendor-11/21/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6335860 | N/A | N/A |
| XXXX | 68043528 | 8010182366 | XXXX | Closed | 2025-11-21 00:20 | 2025-11-24 10:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.756%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.2nd lien no escrows, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s 446. An interior and exterior appraisal was completed for this property – see pg# 47, 54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 182. The loan meets HPML guidelines.<br> - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/21/2025 |  | Resolved-The loan's (9.756%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly.2nd lien no escrows, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s 446. An interior and exterior appraisal was completed for this property – see pg# 47, 54, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 553, and confirmation the appraisal was delivered to the borrower – see Pg#'s 182. The loan meets HPML guidelines.<br> - Due Diligence Vendor-11/21/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6335861 | N/A | N/A |
| XXXX | 66647736 |  | XXXX | Closed | 2025-11-19 03:18 | 2025-11-21 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved. Client clarification has been received. LauraMac has been updated to reflect - Due Diligence Vendor-11/21/2025 <br> Ready for Review-The borrower is self-employed. The delivered loan file included the attached CPA letter as required per guidelines which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the Note date. Acceptable methods of business verification include; CPA Verification". - Seller-11/20/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The provided CPA letter is dated XXXX which is 37 days from the note date. Section 8.4.1 of guideline require business documentation to confirm the status of the entity dated within 30 days of the note. <br> The following Entity documentation must be provided: <br> Entity Articles of Organization, Partnership, and Operating Agreements (if applicable) , Employer Identification Number (EIN) Verification Form , Certificate of Good Standing , Certificate of Authorization for the person executing all documents on behalf of the Entity, etc. Entity documentation required for both the state of entity formation and state of the subject property, when they differ. - Due Diligence Vendor-11/19/2025 | Ready for Review-The borrower is self-employed. The delivered loan file included the attached CPA letter as required per guidelines which states "in addition to verifying income, Underwriter must verify the current existence of the business within 60 days of the Note date. Acceptable methods of business verification include; CPA Verification". - Seller-11/20/2025<br>| Resolved-Resolved. Client clarification has been received. LauraMac has been updated to reflect - Due Diligence Vendor-11/21/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6300097 | N/A | N/A |
| XXXX | 65991781 |  | XXXX | Closed | 2025-11-20 00:29 | 2025-11-20 12:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (13.009%) equals or exceeds the California HPML threshold of (9.79%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 480338and the Final Closing disclosure on Pg#221 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 667', An interior and exterior appraisal was completed for this property – see pg# 45, the appraisal disclosure was provided to the borrower(s)- see Pg#776 and confirmation the appraisal was delivered to the borrower – see Pg#'s172The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (13.009%) equals or exceeds the California HPML threshold of (9.79%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.29%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 480338and the Final Closing disclosure on Pg#221 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 667', An interior and exterior appraisal was completed for this property – see pg# 45, the appraisal disclosure was provided to the borrower(s)- see Pg#776 and confirmation the appraisal was delivered to the borrower – see Pg#'s172The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6315869 | N/A | N/A |
| XXXX | 65991781 |  | XXXX | Closed | 2025-11-20 00:29 | 2025-11-20 12:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (13.009%) APR equals or exceeds the Federal HPML threshold of (9.79%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.29%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 480338and the Final Closing disclosure on Pg#221 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 667', An interior and exterior appraisal was completed for this property – see pg# 45, the appraisal disclosure was provided to the borrower(s)- see Pg#776 and confirmation the appraisal was delivered to the borrower – see Pg#'s172The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan's (13.009%) APR equals or exceeds the Federal HPML threshold of (9.79%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.29%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg # 480338and the Final Closing disclosure on Pg#221 s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# 667', An interior and exterior appraisal was completed for this property – see pg# 45, the appraisal disclosure was provided to the borrower(s)- see Pg#776 and confirmation the appraisal was delivered to the borrower – see Pg#'s172The loan meets HPML guidelines. - Due Diligence Vendor-11/20/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6315870 | N/A | N/A |
| XXXX | 63677631 |  | XXXX | Closed | 2025-11-20 04:33 | 2025-11-21 04:22 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (10.714%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.74%), which is the comparable average prime offer rate of (6.24%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (10.5%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Resolved. Non QM loan - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/21/2025 <br> Open- - Due Diligence Vendor-11/20/2025 <br> Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan's (10.714%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.74%), which is the comparable average prime offer rate of (6.24%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-10-24). The system added 3.5 to the comparable APOR because the ($220,000.00) note amount equals or exceeds ($80,905.00). The system used an interest rate of (10.5%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Resolved. Non QM loan - Due Diligence Vendor-11/20/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6317129 | N/A | N/A |
| XXXX | 63677631 |  | XXXX | Closed | 2025-11-20 04:33 | 2025-11-21 04:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.714%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s 230, 309and the Final Closing disclosure on Pg#'s 93. Rate lock date was entered correctly – see Pg#'s 341 An interior and exterior appraisal was completed for this property – see pg# 27, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 395. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.714%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s 230, 309and the Final Closing disclosure on Pg#'s 93. Rate lock date was entered correctly – see Pg#'s 341 An interior and exterior appraisal was completed for this property – see pg# 27, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 395. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/20/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6317131 | N/A | N/A |
| XXXX | 63677631 |  | XXXX | Closed | 2025-11-20 04:33 | 2025-11-21 04:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.714%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s 230, 309and the Final Closing disclosure on Pg#'s 93. Rate lock date was entered correctly – see Pg#'s 341 An interior and exterior appraisal was completed for this property – see pg# 27, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 395. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/21/2025 <br>Open- - Due Diligence Vendor-11/20/2025 <br>Open- - Due Diligence Vendor-11/20/2025 |  | Resolved-The loan's (10.714%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s 230, 309and the Final Closing disclosure on Pg#'s 93. Rate lock date was entered correctly – see Pg#'s 341 An interior and exterior appraisal was completed for this property – see pg# 27, 36, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 465, and confirmation the appraisal was delivered to the borrower – see Pg#'s 395. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/20/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6317132 | N/A | N/A |
| XXXX | 65088634 | 3010181661 | XXXX | Closed | 2025-11-23 21:34 | 2025-11-27 03:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-11/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025 <br>Open-The Final 1003 is Missing Required Signed Final 1003 Document is missing - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025<br>| Resolved-Final 1003 provided. Resolved - Due Diligence Vendor-11/27/2025<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6357176 | N/A | N/A |
| XXXX | 65088634 | 3010181661 | XXXX | Closed | 2025-11-24 02:17 | 2025-11-27 02:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Right to cancel doc provided. Resolved - Due Diligence Vendor-11/27/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025 <br>Open-Right of Rescission is Missing Required Right to rescission document is missing in file - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/26/2025<br>| Resolved-Right to cancel doc provided. Resolved - Due Diligence Vendor-11/27/2025<br>| XXXX |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6358253 | N/A | N/A |
| XXXX | 60836618 | 3010181399 | XXXX | Closed | 2025-11-24 05:14 | 2025-11-24 05:17 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (11.212%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.09%), which is the comparable average prime offer rate of (5.59%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (9.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s 586, 735 and the Final Closing disclosure on Pg#'s 379, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 735 An interior and exterior appraisal was completed for this property – see pg# 64, 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 848, and confirmation the appraisal was delivered to the borrower – see Pg#'s 336The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/24/2025 <br> Open- - Due Diligence Vendor-11/24/2025 |  | Resolved-The loan's (11.212%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.09%), which is the comparable average prime offer rate of (5.59%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-10-24). The system added 3.5 to the comparable APOR because the ($98,000.00) note amount equals or exceeds ($80,905.00). The system used an interest rate of (9.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s 586, 735 and the Final Closing disclosure on Pg#'s 379, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 735 An interior and exterior appraisal was completed for this property – see pg# 64, 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 848, and confirmation the appraisal was delivered to the borrower – see Pg#'s 336The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-11/24/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6359355 | N/A | N/A |
| XXXX | 60836618 | 3010181399 | XXXX | Closed | 2025-11-24 05:14 | 2025-11-24 05:17 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.212%) APR equals or exceeds the Federal HPML threshold of (9.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s 586, 735 and the Final Closing disclosure on Pg#'s 379, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 735 An interior and exterior appraisal was completed for this property – see pg# 64, 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 848, and confirmation the appraisal was delivered to the borrower – see Pg#'s 336The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/24/2025 <br>Open- - Due Diligence Vendor-11/24/2025 |  | Resolved-The loan's (11.212%) APR equals or exceeds the Federal HPML threshold of (9.09%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.59%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s 586, 735 and the Final Closing disclosure on Pg#'s 379, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 735 An interior and exterior appraisal was completed for this property – see pg# 64, 73, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 848, and confirmation the appraisal was delivered to the borrower – see Pg#'s 336The loan meets HPML guidelines, resolved. - Due Diligence Vendor-11/24/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6359356 | N/A | N/A |
| XXXX | 62354532 |  | XXXX | Closed | 2025-12-02 00:20 | 2025-12-18 10:22 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Updated with Post CD and cleared the fail - Due Diligence Vendor-12/18/2025 <br> Resolved-Resolved - Due Diligence Vendor-12/04/2025 <br> Open- - Due Diligence Vendor-12/04/2025 <br> Ready for Review-. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-. - Due Diligence Vendor-12/04/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Counter-Final Cd does show cure of 115, however a COC is still needed with the cure. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Final CD reflects a cure of $XXXX. - Seller-12/02/2025 <br> Open-No COC or Lender Credits provided. - Due Diligence Vendor-12/02/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Ready for Review-Document Uploaded. Final CD reflects a cure of $115. - Seller-12/02/2025<br>| Resolved-Updated with Post CD and cleared the fail - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/04/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6440926 | N/A | N/A |
| XXXX | 62354532 |  | XXXX | Closed | 2025-11-25 23:51 | 2025-12-17 07:01 | Resolved | 1 - Information C A | Credit | Credit | Deficient non-subject rental income documentation. | Resolved-Updated 1003, 1008, and the employment page. Added the additional income and DTI is now in line with the updated 1008. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Counter-Have the updated 1003 which is including the two time shares. However the 1008 is still not updated. DTI will be at 50.51 with the two time shares being included in the DTI. - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Counter-1008 is not updated. For the front end Sr lien payment total is XXXX based on statement+XXXX second lien gives front end DTI of 26.93 for the back end XXXX(rent loss for XXXX)+XXXX for the two time shares reflected on the credit report with XXXX gives back end DTI of 50.676 - Due Diligence Vendor-12/05/2025 <br> Ready for Review-revised 1008 - Seller-12/04/2025 <br> Counter-Front End DTI is not in line. Total for the first lien is in the amount of XXXX=XXXX for the front end. Also for the back end the XXXX are not included in the DTI equation as these will place the DTI above 50%. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Front End DTI is not in line. Total for the first lien is in the amount XXXX=XXXX for the front end. Also for the back end the XXXX are not included in the DTI equation as these will place the DTI above 50%. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/02/2025 <br> Open-CBR reflects 2 additional REO's XXXX #XXXX and XXXX #XXXX for which are no properties reflecting in final 1003. Provide documentation for two mortgage tradelines or letter of explanation if it is getting paid off/paid by other These appear to be time shares that are not being included in the DTI. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Ready for Review-revised 1008 - Seller-12/04/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Updated 1003, 1008, and the employment page. Added the additional income and DTI is now in line with the updated 1008. - Due Diligence Vendor-12/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6395229 | N/A | N/A |
| XXXX | 62354532 |  | XXXX | Closed | 2025-11-25 22:43 | 2025-12-17 05:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received employment authorization card - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Borrower 1 Citizenship Documentation Is Missing Final 1003 reflects Non Permanent resident, Provide identification document reflecting the country origin missing in file - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received employment authorization card - Due Diligence Vendor-12/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6394493 | N/A | N/A |
| XXXX | 62354532 |  | XXXX | Closed | 2025-11-26 01:03 | 2025-12-02 00:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/01/2025 <br>Open-TRID: Missing Closing Disclosure Provide initial CD missing in loan file - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/01/2025<br>| Resolved-Initial Closing Disclosure document provided. - Due Diligence Vendor-12/02/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6395697 | N/A | N/A |
| XXXX | 65164361 |  | XXXX | Closed | 2025-11-26 03:28 | 2025-12-08 07:33 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved- - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 <br> Counter-Document was not attached/provided - Due Diligence Vendor-12/05/2025 <br> Ready for Review-Please see attached - Seller-12/04/2025 <br> Open-Appraisal is Missing AVM with a 90% Confidence Factor (XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX) is missing in file<br> - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/05/2025 <br>Ready for Review-Please see attached - Seller-12/04/2025<br>|  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6396308 | N/A | N/A |
| XXXX | 65164361 |  | XXXX | Closed | 2025-11-29 11:16 | 2025-12-05 08:43 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved- - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/04/2025 <br>Open-Loan does not conform to program guidelines Per guidelines on page 28 Refinance vacant single unit property: Eligible only with documentation of previous rent history within the last 6 months. Utilize rent survey with a 20% vacancy factor to calculate DSCR. Supporting documentation reflecting previous rent history is missing in file. DSCR worksheet on page 117 does not reflect vacancy factor used - Due Diligence Vendor-11/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/04/2025<br>|  | XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6422170 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-27 00:50 | 2025-12-17 07:55 | Resolved | 1 - Information C A | Compliance | Interest:DaysInYear | Michigan - Days Used for Interest Calculation | Resolved-PCCD reflects 365- Days calculation. - Due Diligence Vendor-12/17/2025 <br>Resolved- - Due Diligence Vendor-12/17/2025 <br>Ready for Review-What would you like me to provide to satisfy this condition? - Seller-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Open- - Due Diligence Vendor-12/02/2025 <br>Open-Under the Michigan Secondary Mortgage Loan Act, a 365 day interest calculation must be used. (Mich. Comp. Laws Ann. 493.71(1)) Loan Failed Days Used for Interest Calculation - Due Diligence Vendor-11/27/2025 <br>Open- - Due Diligence Vendor-11/27/2025 | Ready for Review-What would you like me to provide to satisfy this condition? - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025<br>| Resolved-PCCD reflects 365- Days calculation. - Due Diligence Vendor-12/17/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412793 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-27 00:25 | 2025-12-16 09:15 | Cured | 1 - Information C A | Compliance | TRID | 365 Days Interest Schedule | Cured-Cure check sent to borrower in the amount of $5.15 - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Counter-The interest needs to be corrected - the interest calculation based on 365 days interest calculation. Provide a refund with copy of Check, PCCD, LOE, and Proof of delivery. - Due Diligence Vendor-12/05/2025 <br>Ready for Review-What is needed to clear this? - Seller-12/03/2025 <br>Open-2nd lien with Property State in (WA, IN, MI, SC) and Interest Days in Years is 360 days in year considered 360 per instructions - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Ready for Review-What is needed to clear this? - Seller-12/03/2025<br>| Cured-Cure check sent to borrower in the amount of $5.15 - Due Diligence Vendor-12/16/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412752 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-27 00:23 | 2025-12-12 10:35 | Resolved | 1 - Information C A | Credit | Doc Issue | HOA Fee Difference | Resolved-The discrepancy is minimal, and DTI within tolerance. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/10/2025 <br>Open-HOA Fee difference exsits between validated HOA and documents HOA discrepancy: HOA amount per appraisal is $141/12 = $11.75 per month whereas per 1008 and CD it is $38. Provided documentation for discrepancy - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-The discrepancy is minimal, and DTI within tolerance. - Due Diligence Vendor-12/12/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412750 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-27 00:21 | 2025-12-11 03:47 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Requested July Month Statement provided for Borrower's Business account, updated & condition resolved. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-Provide July 2025 statement for #XXXX account missing in loan file for income calculation - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/10/2025<br>| Resolved-Requested July Month Statement provided for Borrower's Business account, updated & condition resolved. - Due Diligence Vendor-12/11/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412749 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-26 21:22 | 2025-12-05 08:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-12/05/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-The Note is Incomplete Provided Page 1 of Note is missing in loan file. - Due Diligence Vendor-11/27/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-The Note is Present - Due Diligence Vendor-12/05/2025<br>| XXXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412247 | N/A | N/A |
| XXXX | 63322700 |  | XXXX | Closed | 2025-11-27 00:50 | 2025-12-17 07:55 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Meets HMPL guidelines. - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Resolved- - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (10.292%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 292, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 287 An interior and exterior appraisal was completed for this property – see pg 110, the appraisal disclosure was provided to the borrower(s)- see Pg#' 752 and confirmation the appraisal was delivered to the borrower – see Pg#'472. The loan meets HPML guidelines - Due Diligence Vendor-11/27/2025 <br>Open- - Due Diligence Vendor-12/02/2025 <br>Open- - Due Diligence Vendor-11/27/2025 |  | Resolved-Meets HMPL guidelines. - Due Diligence Vendor-12/17/2025 <br>Resolved- - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (10.292%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s 292, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s 287 An interior and exterior appraisal was completed for this property – see pg 110, the appraisal disclosure was provided to the borrower(s)- see Pg#' 752 and confirmation the appraisal was delivered to the borrower – see Pg#'472. The loan meets HPML guidelines - Due Diligence Vendor-11/27/2025<br>|  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 6412795 | N/A | N/A |
| XXXX | 63381687 |  | XXXX | Closed | 2025-12-17 16:29 | 2025-12-19 10:56 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved- - Due Diligence Vendor-12/19/2025 <br>Open- - Due Diligence Vendor-12/19/2025 <br>Resolved- - Due Diligence Vendor-12/19/2025 <br>Open- - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Open- - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/17/2025 <br>Resolved-. - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Resolved-The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.6)(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower has Escrow waiver , escrow disclosures and loan information is on Pg#'s 203, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s197, 425 An interior and exterior appraisal was completed for this property – see pg# 110, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 177 and confirmation the appraisal was delivered to the borrower – see Pg#'s 176The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open-The loan's (9.697%) APR equals or exceeds the Federal HPML threshold of (9.1%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.6%).(12 CFR 1026.35(a)(1)(iii)) . - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 |  | Resolved- - Due Diligence Vendor-12/19/2025 <br>Resolved- - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/19/2025 <br>Resolved-. - Due Diligence Vendor-12/17/2025 <br>Resolved-. - Due Diligence Vendor-12/17/2025 <br>Resolved-The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (5.6)(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower has Escrow waiver , escrow disclosures and loan information is on Pg#'s 203, and the Final Closing disclosure on Pg#'s 201. Rate lock date was entered correctly – see Pg#'s197, 425 An interior and exterior appraisal was completed for this property – see pg# 110, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 177 and confirmation the appraisal was delivered to the borrower – see Pg#'s 176The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/17/2025<br>|  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6672938 | N/A | N/A |
| XXXX | 63381687 |  | XXXX | Closed | 2025-12-17 16:29 | 2025-12-19 10:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-CoC provided and updated. - Due Diligence Vendor-12/19/2025 <br> Resolved- - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-12/19/2025 <br> Open- - Due Diligence Vendor-12/19/2025 <br> Ready for Review-. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/19/2025 <br> Counter-Missing the Revised LE dated XXXX based on the COC . Need that LE. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Open-Based on COC in file there is a loan estimate that was redisclosed on XXXX, and XXXX possible LE's. The CD provided is dated XXXX. Will also need the discount point letter. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. . - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-CoC provided and updated. - Due Diligence Vendor-12/19/2025<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6672937 | N/A | N/A |
| XXXX | 63381687 |  | XXXX | Closed | 2025-12-17 11:18 | 2025-12-17 16:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial updated TRID page. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial CD is missing from the file. Only have the final CD which was loaded in twice in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received Initial updated TRID page. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6666170 | N/A | N/A |
| XXXX | 67597448 |  | XXXX | Closed | 2025-12-02 14:24 | 2025-12-04 07:23 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV unknown | Resolved-received updated 1008 with corrected CLTV and HLTV percent's - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-1st lien bal is XXXX/ 2nd lien being paid off is XXXX and new 2nd lien amount is XXXX.<br> TPR calc: XXXX + XXXX = XXXX /XXXX = .XXXXXXX x 100 = XX.XXX<br> UW calc: XXXX + XXXX = XXXX / XXXX - .XXXXXXX x 100 = XX.XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-received updated 1008 with corrected CLTV and HLTV percent's - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6454958 | N/A | N/A |
| XXXX | 67597448 |  | XXXX | Closed | 2025-11-27 22:18 | 2025-12-04 07:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-received final HUD with correct PPP amount - resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-pre payment is: XX% in 12 months Calculates to $XX,XXX double what is listed on the Final HUD X,XXX.X<br> and if we use the step down of X%, X%, X% and X% the Prepayment penalty would be X,XXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Calculated prepayment is $X,XXX vs $X,XXX in HUD. Provide updated documentation with correct prepayment - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-received final HUD with correct PPP amount - resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6414252 | N/A | N/A |
| XXXX | 67057929 |  | XXXX | Closed | 2025-12-05 13:28 | 2025-12-12 11:10 | Resolved | 1 - Information C A | Compliance | Mavent | FL Fee Not Allowed- Payoff Demand Fee (Fee ID: 177) | Resolved-Resolved. Lender provided a PCCD with a $XX credit for the payoff demand fee. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-cure docs - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Escalated to internal mavent. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Florida Assignment and Cancellation of Mortgages Provisions Act (Fla. Stat. Ann. 701.03-05) does not allow Payoff Demand Fee (Fee ID: XXX) to be charged to the Borrower in FL. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-cure docs - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Lender provided a PCCD with a $XX credit for the payoff demand fee. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6510846 | N/A | N/A |
| XXXX | 68980044 |  | XXXX | Closed | 2025-12-08 11:23 | 2025-12-09 06:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. title supp w corr LA of $XXX,XXX - Seller-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. title supp w corr LA of $XXX,XXX - Seller-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6532378 | N/A | N/A |
| XXXX | 68980044 |  | XXXX | Closed | 2025-12-05 04:59 | 2025-12-09 00:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX <br>Open-Identification provided in loan file is expired, Provide Identification document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Passport attached - Seller-XX/XX/XXXX<br>| Resolved-Updated Borrower 1 Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6499595 | N/A | N/A |
| XXXX | 68980044 |  | XXXX | Closed | 2025-12-05 04:20 | 2025-12-08 12:37 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6499263 | N/A | N/A |
| XXXX | 68980044 |  | XXXX | Closed | 2025-12-05 04:20 | 2025-12-08 12:36 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6499262 | N/A | N/A |
| XXXX | 67670289 |  | XXXX | Closed | 2025-12-08 07:44 | 2025-12-09 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I disagree. Please see attached. A Final DV report dated XX-XX was run a day before closing XX-XX and this was provided in the file. The payment increase of $XX for XXXXXXXXX, XX was accounted for in the liabilities. No issues found. - Seller-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Section X.X of guidelines states the General Requirements for credit reports including the requirement for a gap credit report or an Undisclosed Debt Notification (UDN) is required within XX days of closing date. Missing in file for B1 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I disagree. Please see attached. A Final DV report dated XX-XX was run a day before closing XX-XX and this was provided in the file. The payment increase of $XX for XXXXXXXXX, XX was accounted for in the liabilities. No issues found. - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6526616 | N/A | N/A |
| XXXX | 67670289 |  | XXXX | Closed | 2025-12-08 07:44 | 2025-12-09 06:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Document Uploaded. I disagree. Please see attached. A Final DV report dated XX-XX was run a day before closing XX-XX and this was provided in the file. The final DV report was for B1 XXXXXX XXXXXXXXXXX and B2 XXXX XXXXXXXXX. The payment increase of $XX for XXXXXXXXX, XX was accounted for in the liabilities for B2 XXXX XXXXXXXXX. No issues found. - Seller-XX/XX/XXXX <br>Open-Borrower 2 Gap Credit Report is Missing Section X.X of guidelines states the General Requirements for credit reports including the requirement for a gap credit report or an Undisclosed Debt Notification (UDN) is required within XX days of closing date. Missing in file for B2 - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Document Uploaded. I disagree. Please see attached. A Final DV report dated XX-XX was run a day before closing XX-XX and this was provided in the file. The final DV report was for B1 XXXXXX XXXXXXXXXXX and B2 XXXX XXXXXXXXX. The payment increase of $XX for XXXXXXXXX, XX was accounted for in the liabilities for B2 XXXX XXXXXXXXX. No issues found. - Seller-XX/XX/XXXX<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6526617 | N/A | N/A |
| XXXX | 68499783 |  | XXXX | Closed | 2025-12-05 00:16 | 2025-12-09 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - supporting documents provided for the non-subject property. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. please see attached supporting docs - XXXX $XXXX, Taxes $XXXX /12 = $XXXX, HOI A Unit $XXXX/ $XXXX, B Unit $XXXX/ $XXXX, C Unit $XXXX/$XXXX - Seller-12/08/2025 <br> Open-REO property #XXXX:- Monthly insurance, taxes, Association Dues, ETC $XXXX monthly - however We verified insurance page no#271 (XXXX) = Required Tax, Association Dues Document To Verify the XXXX amount. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. please see attached supporting docs - XXXX Mtg $XXXX, Taxes $XXXX /12 = $XXXX, HOI A Unit $XXXX/ $XXXX, B Unit $XXXX/ $XXXX, C Unit $XXXX/$XXXX - Seller-12/08/2025 | Resolved-Resolved - supporting documents provided for the non-subject property. - Due Diligence Vendor-12/09/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6497631 | N/A | N/A |
| XXXX | 63122499 |  | XXXX | Closed | 2025-12-08 23:40 | 2025-12-18 06:39 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br>Open-. - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached delivered - Seller-12/11/2025 <br>Open-The loan's (11.591%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing as loan is a 2nd lien, and the Final Closing disclosure on Pg#73 s. Rate lock date was entered correctly – see Pg #70 , An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to borrower is missing. - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached delivered - Seller-12/11/2025<br>| Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6542033 | N/A | N/A |
| XXXX | 63122499 |  | XXXX | Closed | 2025-12-08 23:40 | 2025-12-18 06:39 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br>Open-. - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Open- - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025 <br>Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.591%) equals or exceeds the California HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.17%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing as loan is a 2nd lien, and the Final Closing disclosure on Pg#73 s. Rate lock date was entered correctly – see Pg #70 , An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to borrower is missing. - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025<br>| Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6542032 | N/A | N/A |
| XXXX | 63122499 |  | XXXX | Closed | 2025-12-08 23:40 | 2025-12-18 06:39 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br> Open-. - Due Diligence Vendor-12/18/2025 <br> Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Open- - Due Diligence Vendor-12/15/2025 <br> Ready for Review-Please see attached . - Seller-12/11/2025 <br> Open-The loan's (11.591%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.67%), which is the comparable average prime offer rate of (6.17%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds XXXX). The system used an interest rate of (11.25%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing as loan is a 2nd lien, and the Final Closing disclosure on Pg#73 s. Rate lock date was entered correctly – see Pg #70 , An interior and exterior appraisal was completed for this property – see pg# 21, the appraisal disclosure was provided to the borrower(s)- see Pg#428 and confirmation the appraisal was delivered to borrower is missing. - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 <br> Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Please see attached . - Seller-12/11/2025<br>| Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved. Confirmation the appraisal was delivered to borrower received.<br> - Due Diligence Vendor-12/15/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6542030 | N/A | N/A |
| XXXX | 63952842 |  | XXXX | Closed | 2025-12-07 22:39 | 2025-12-11 00:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Updated flood cert provided with flood zone X which is matching with appraisal document hence we do not require flood insurance policy for the same, updated & condition resolved. - Due Diligence Vendor-12/11/2025 <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/11/2025 <br>Ready for Review-Document Uploaded. Please see updated Flood cert zone x - Seller-12/10/2025 <br>Open-Missing Flood Insurance Policy Property is located in Flood Zone: AE. Required flood insurance is pending from file - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see updated Flood cert zone x - Seller-12/10/2025<br>| Resolved-Updated flood cert provided with flood zone X which is matching with appraisal document hence we do not require flood insurance policy for the same, updated & condition resolved. - Due Diligence Vendor-12/11/2025 <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/11/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6521929 | N/A | N/A |
| XXXX | 69627584 |  | XXXX | Closed | 2025-12-09 05:46 | 2025-12-12 02:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap credit report provided, updated & condition resolved. - Due Diligence Vendor-12/12/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Required Gap credit report for Borrower. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/11/2025<br>| Resolved-Requested Gap credit report provided, updated & condition resolved. - Due Diligence Vendor-12/12/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-12/12/2025<br>| XXXX |  |  | WA | Investment | Refinance | Cash Out - Other | 6544368 | N/A | N/A |
| XXXX | 69538527 |  | XXXX | Closed | 2025-12-09 05:34 | 2025-12-09 05:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.04%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosure is missing in file and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 390. An interior and exterior appraisal was completed for this property – see pg# 62, 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 261. The loan does not meets HPML guidelines.<br> - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 |  | Resolved-The loan's (10.04%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosure is missing in file and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 390. An interior and exterior appraisal was completed for this property – see pg# 62, 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 261. The loan does not meets HPML guidelines.<br> - Due Diligence Vendor-12/09/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6544264 | N/A | N/A |
| XXXX | 69538527 |  | XXXX | Closed | 2025-12-09 05:34 | 2025-12-09 05:48 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.04%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosure is missing in file and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 390. An interior and exterior appraisal was completed for this property – see pg# 62, 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 261. The loan does not meets HPML guidelines.<br> - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.04%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosure is missing in file and loan information is on Pg#'s 390 and the Final Closing disclosure on Pg#'s 211, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 390. An interior and exterior appraisal was completed for this property – see pg# 62, 79, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 431, and confirmation the appraisal was delivered to the borrower – see Pg#'s 261. The loan does not meets HPML guidelines.<br> - Due Diligence Vendor-12/09/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6544263 | N/A | N/A |
| XXXX | 69806853 |  | XXXX | Closed | 2025-12-08 22:11 | 2025-12-19 10:22 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Open- - Due Diligence Vendor-12/19/2025 <br>Resolved-PCCD provided. - Due Diligence Vendor-12/19/2025 <br>Open- - Due Diligence Vendor-12/19/2025 <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender credits provided in initial and final CD for increase in appraisal fee - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 |  | Resolved-PCCD provided. - Due Diligence Vendor-12/19/2025 <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Lender credits provided in initial and final CD for increase in appraisal fee - Due Diligence Vendor-12/09/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6541572 | N/A | N/A |
| XXXX | 69806853 |  | XXXX | Closed | 2025-12-08 22:11 | 2025-12-19 10:01 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided. - Due Diligence Vendor-12/19/2025 <br>Open- - Due Diligence Vendor-12/19/2025 <br>Resolved-The PCCD was provided. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Counter-Please provide the PCCD that coincides with the settlement statement that was provided. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Please provide the PCCD that coincides with the settlement statement that was provided. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-It was executed on 11/28/25 , funded 12/2/25 (3 days recission). However, CD transaction date is 11/26/25. - Due Diligence Vendor-12/16/2025 <br>Open-The loan disbursement date (2025-12-02) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (2025-12-02). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) Right of recission is not compliant - Due Diligence Vendor-12/09/2025 <br>Open- - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-PCCD provided. - Due Diligence Vendor-12/19/2025 <br>Resolved-The PCCD was provided. - Due Diligence Vendor-12/19/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6541573 | N/A | N/A |
| XXXX | 69806853 |  | XXXX | Closed | 2025-12-08 22:11 | 2025-12-16 06:37 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Received COC dated XX/XX/XXXX for lender credit adjustment. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXXXX). The Last CD shows a total lender credit amount of (XXXXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credits decreased from XXXXX in initial CD to XXXX in final CD. provide COC - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received COC dated XX/XX/XXXX for lender credit adjustment. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6541571 | N/A | N/A |
| XXXX | 65242242 |  | XXXX | Closed | 2025-12-09 03:40 | 2025-12-23 23:07 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Isnurance coverage is liess than Required loan amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXXXXX is equal to or greater than Required Coverage Amount of XXXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached RCE for the property at XXXXXXXXXXXXX XXXXXXXXXX XX XXXXX. The attached RCE provided shows the hazard insurance coverage of XXXXXXX is equal to the lesser of the Replacement cost estimator of XXXXXXXX. No issues found. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of XXXXXXX is less than Required Coverage Amount of XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' The hazard insurance coverage is XXXXXXX. The replacement cost on the appraisal is XXXXXXXX which XX% of is XXXXXXX. There is no other replacement cost calculator in file. The coverage is short by - XXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached RCE for the property at XXXXXXXXXXXXX XXXXXXXXXX XX XXXXX. The attached RCE provided shows the hazard insurance coverage of XXXXXXX is equal to the lesser of the Replacement cost estimator of XXXXXXXX. No issues found. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Isnurance coverage is liess than Required loan amount, provided RCE, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Coverage Amount of XXXXXXX is equal to or greater than Required Coverage Amount of XXXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6543424 | N/A | N/A |
| XXXX | 69655023 |  | XXXX | Closed | 2025-12-09 22:33 | 2025-12-12 02:31 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to credit Liabilities, provided updated Credit Report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Qualifying FICO on the 1008 Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Credit report not included in stacking order - Score XXX Thank you - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the 1008 Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Updated FICO score as per provided credit report qualifying FICO is XXX vs the 1008 reflecting Fico of XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated Credit report not included in stacking order - Score XXX Thank you - Seller-XX/XX/XXXX<br>| Resolved-Fico Mis match from XXXX to credit Liabilities, provided updated Credit Report, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6560225 | N/A | N/A |
| XXXX | 69655023 |  | XXXX | Closed | 2025-12-09 22:33 | 2025-12-12 02:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Gap Credit Report Missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Gap Credit Report Missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6560224 | N/A | N/A |
| XXXX | 69655023 |  | XXXX | Closed | 2025-12-09 22:33 | 2025-12-12 02:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Gap Credit Report Missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved-Gap Credit Report Missing in file, Provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6560223 | N/A | N/A |
| XXXX | 66133730 |  | XXXX | Closed | 2025-12-23 10:04 | 2025-12-29 07:16 | Resolved | 1 - Information C A | Credit | Credit | Appraisal deficiency. | Resolved-The documentation received was sufficient to resolve the finding. Appraisal - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Appraisal states owner occupied, all other docs in file show this is an investment property - Due Diligence Vendor-XX/XX/XXXX | Document uploaded. - XX/XX/XXXX <br>| Resolved-The documentation received was sufficient to resolve the finding. Appraisal - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6762775 | N/A | N/A |
| XXXX | 66133730 |  | XXXX | Closed | 2025-12-11 04:29 | 2025-12-15 05:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-PCCD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PCCD w disb date of XX/X - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Disbursement date of XX/XX/XXXX is prior to Notary date of XX/XX/XX in DOT. Provide updated document - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PCCD w disb date of XX/X - Seller-XX/XX/XXXX<br>| Resolved-PCCD provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6580336 | N/A | N/A |
| XXXX | 62656834 |  | XXXX | Closed | 2025-12-10 03:52 | 2025-12-29 10:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. There was a lock extension done on XX/XX- lock attached - Seller-XX/XX/XXXX <br>Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is (XXXXXXXX). The Last CD shows a total lender credit amount of (XXXXXXXX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Missing a valid changed circumstance associated with the re-disclosure or an additional credit for the increase in Closing Costs above the legal limit. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. There was a lock extension done on XX/XX- lock attached - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6561943 | N/A | N/A |
| XXXX | 62656834 |  | XXXX | Closed | 2025-12-11 05:41 | 2025-12-29 10:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Other Property Insurance Policy Partially Provided | Resolved-Resolved. Client clarification has been received. The provided documents have been reviewed and XXXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lender notes REO XXXXX X XXXXX XX. has HAZ ins XXXX / XXX mo, please see attached - Seller-XX/XX/XXXX <br>Open-Missing insurance premium for XXXXX X XXXXX XX. The policy in file does not list the premium. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lender notes REO XXXXX X XXXXX XX. has HAZ ins XXXX / XXX mo, please see attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved. Client clarification has been received. The provided documents have been reviewed and XXXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6580910 | N/A | N/A |
| XXXX | 62656834 |  | XXXX | Closed | 2025-12-11 05:47 | 2025-12-29 10:16 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Resolved. REO clarification has been provided. XXXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. PITI XXXXXXXX total, first lien has escrow accounts, and please see attached CD for second loan with XXXX mtg. - Seller-XX/XX/XXXX <br>Open-Missing proof of XXXX Mortgage #XXXX with XXXXXXXX payment and XXXXXXX balance on XXXXX XXXXXXXXX XX.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. PITI XXXXXXXX total, first lien has escrow accounts, and please see attached CD for second loan with XXXX mtg. - Seller-XX/XX/XXXX<br>| Resolved-Resolved. REO clarification has been provided. XXXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6580962 | N/A | N/A |
| XXXX | 62656834 |  | XXXX | Closed | 2025-12-10 03:52 | 2025-12-29 10:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. Reopened with PC Mavent run. HPML checks cleared. - Due Diligence Vendor-12/29/2025 <br>Open- - Due Diligence Vendor-12/29/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.786%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#922 and the Final Closing disclosure on Pg#824-828, Finding reflects escrows. Rate lock date was entered correctly – see Pg#997-1000. An interior and exterior appraisal was completed for this property – see pg#16-49, the appraisal disclosure was provided to the borrower(s)- see Pg#50, and confirmation the appraisal was delivered to the borrower – see Pg#1213. The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Resolved. Reopened with PC Mavent run. HPML checks cleared. - Due Diligence Vendor-12/29/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.786%) equals or exceeds the California HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.16%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#922 and the Final Closing disclosure on Pg#824-828, Finding reflects escrows. Rate lock date was entered correctly – see Pg#997-1000. An interior and exterior appraisal was completed for this property – see pg#16-49, the appraisal disclosure was provided to the borrower(s)- see Pg#50, and confirmation the appraisal was delivered to the borrower – see Pg#1213. The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/10/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6561946 | N/A | N/A |
| XXXX | 62656834 |  | XXXX | Closed | 2025-12-10 03:52 | 2025-12-29 10:27 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. Reopened with PC Mavent run. HPML checks cleared. - Due Diligence Vendor-12/29/2025 <br>Open- - Due Diligence Vendor-12/29/2025 <br>Resolved-The loan's (9.786%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#922 and the Final Closing disclosure on Pg#824-828, Finding reflects escrows. Rate lock date was entered correctly – see Pg#997-1000. An interior and exterior appraisal was completed for this property – see pg#16-49, the appraisal disclosure was provided to the borrower(s)- see Pg#50, and confirmation the appraisal was delivered to the borrower – see Pg#1213. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 |  | Resolved-Resolved. Reopened with PC Mavent run. HPML checks cleared. - Due Diligence Vendor-12/29/2025 <br>Resolved-The loan's (9.786%) APR equals or exceeds the Federal HPML threshold of (9.66%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.16%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#922 and the Final Closing disclosure on Pg#824-828, Finding reflects escrows. Rate lock date was entered correctly – see Pg#997-1000. An interior and exterior appraisal was completed for this property – see pg#16-49, the appraisal disclosure was provided to the borrower(s)- see Pg#50, and confirmation the appraisal was delivered to the borrower – see Pg#1213. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/10/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6561947 | N/A | N/A |
| XXXX | 65494564 |  | XXXX | Closed | 2025-12-10 06:41 | 2025-12-12 06:16 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-12/12/2025 <br>Ready for Review-FEE MOVED TO BLOCK C- BORROWER SHOPPED - Seller-12/11/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Document Preparation Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Missing COC for Fee "Doc preparation" - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 <br>Open- - Due Diligence Vendor-12/10/2025 | Ready for Review-FEE MOVED TO BLOCK C- BORROWER SHOPPED - Seller-12/11/2025<br>| Resolved-Resolved - Due Diligence Vendor-12/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6563760 | N/A | N/A |
| XXXX | 61471690 |  | XXXX | Closed | 2025-12-11 22:16 | 2025-12-16 03:35 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-1008 document with 1st Lien P&I amount provided. - Due Diligence Vendor-12/16/2025 <br> Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. Please see attached PC 1008. DTI changed to 39.628 when the 1st mtg lien of $XXXX as noted on the Final 1003 was added to the 1008. Please clear this finding. - Seller-12/15/2025 <br> Open-The 1008 document is missing from the loan file. 1st Lien P&I amount is not Reflecting on 1008 Document, We need updated 1008 Document With a 1st lien P&I payment. Final 1003 is showing 1st lien mortgage on the subject property and a PITIA payment. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Please see attached PC 1008. DTI changed to 39.628 when the 1st mtg lien of $5,749 as noted on the Final 1003 was added to the 1008. Please clear this finding. - Seller-12/15/2025<br>| Resolved-1008 document with 1st Lien P&I amount provided. - Due Diligence Vendor-12/16/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-12/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6596574 | N/A | N/A |
| XXXX | 61471690 |  | XXXX | Closed | 2025-12-11 02:58 | 2025-12-16 06:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing on 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/16/2025 <br>Open-. - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing on 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing on 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (11.187%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing on 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579828 | N/A | N/A |
| XXXX | 61471690 |  | XXXX | Closed | 2025-12-11 02:58 | 2025-12-16 06:30 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.187%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/16/2025 <br>Open-. - Due Diligence Vendor-12/16/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.187%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.187%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/16/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (11.187%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing since 2nd lien. Rate lock date was entered correctly – see Pg#'s 83. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 382, 383, and confirmation the appraisal was delivered to the borrower – see Pg#'s 326. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579827 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:50 | 2025-12-17 10:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved- - Due Diligence Vendor-12/17/2025 <br> Resolved- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. cure documents uploaded - Seller-12/16/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. There is a $3 fee variance not covered by the Lender Credit after PC Mavent was run. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-Document Uploaded. CORRECT DOCS UPLOADED - Seller-12/11/2025 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XXXX) were applied to the total fee variance of ($XXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Fees were moved from Section C to Section B from the Initial LE to the Initial CD. However, a COC detailing the transfer or a SSPL listing the providers/recipients is missing from file. - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. cure documents uploaded - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. CORRECT DOCS UPLOADED - Seller-12/11/2025<br>| Resolved- - Due Diligence Vendor-12/17/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579561 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:34 | 2025-12-11 21:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Invalid condition as LRA incorrectly entered amount of other lien in title screen due to which we have discrepancy, updated correct amount & CLTV is within the guidelines hence condition resolved. - Due Diligence Vendor-12/12/2025 <br> Resolved- - Due Diligence Vendor-12/12/2025 <br> Ready for Review-We respectfully disagree. The CLTV is based on the existing balance of the first XXXX and the new CES, not the original loan amount of the first XXXX. The correct CLTV is as the loan was delivered which is 59.977% ($XXXX+$XXXX/$XXXX=59.977) - Seller-12/11/2025 <br> Open-Audited CLTV Exceeds Guideline CLTV XXXX state a maximum LTV of 60%. However, the audited CLTV is 62.8% and breaches guideline limitations. - Due Diligence Vendor-12/11/2025 | Ready for Review-We respectfully disagree. The CLTV is based on the existing balance of the first TD and the new CES, not the original loan amount of the first TD. The correct CLTV is as the loan was delivered which is 59.977% ($XXXX+$XXXX/$XXXX=59.977) - Seller-12/11/2025 | Resolved-Invalid condition as LRA incorrectly entered amount of other lien in title screen due to which we have discrepancy, updated correct amount & CLTV is within the guidelines hence condition resolved. - Due Diligence Vendor-12/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579503 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:31 | 2025-12-11 21:52 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Resolved-Audited CLTV of 59.93% is less than or equal to Guideline CLTV of 60% - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Rescinded-Audited CLTV of 62.8% exceeds Guideline CLTV of 60% finding added - Due Diligence Vendor-12/11/2025 |  | Resolved-Audited CLTV of 59.93% is less than or equal to Guideline CLTV of 60% - Due Diligence Vendor-12/12/2025 <br>Rescinded-Audited CLTV of 62.8% exceeds Guideline CLTV of 60% finding added - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579499 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:50 | 2025-12-17 10:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run.<br> - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.38%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run.<br> - Due Diligence Vendor-12/17/2025 <br>Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run. - Due Diligence Vendor-12/12/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (10.38%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579560 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:50 | 2025-12-17 10:58 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Resolved. QM fails are not applicable to NON-QM files.<br> - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Resolved-Resolved. QM fails are not applicable to NON-QM files. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 <br> Resolved-The loan's (10.38%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.73%), which is the comparable average prime offer rate of (6.23%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (10.0%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 <br> Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-Resolved. QM fails are not applicable to NON-QM files.<br> - Due Diligence Vendor-12/17/2025 <br> Resolved-Resolved. QM fails are not applicable to NON-QM files. - Due Diligence Vendor-12/12/2025 <br> Resolved-The loan's (10.38%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.73%), which is the comparable average prime offer rate of (6.23%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (10.0%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579558 | N/A | N/A |
| XXXX | 65854119 |  | XXXX | Closed | 2025-12-11 01:50 | 2025-12-17 10:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run.<br> - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Open- - Due Diligence Vendor-12/17/2025 <br>Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Resolved-The loan's (10.38%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run.<br> - Due Diligence Vendor-12/17/2025 <br>Resolved-Resolved. HPML checks have been confirmed. Finding reopened with PC Mavent run. - Due Diligence Vendor-12/12/2025 <br>Resolved-The loan's (10.38%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#160 and the Final Closing disclosure on Pg#57-61, Finding reflects escrows. Rate lock date was entered correctly – see Pg#236. An interior and exterior appraisal was completed for this property – see pg#14-44, the appraisal disclosure was provided to the borrower(s)- see Pg#311 , and confirmation the appraisal was delivered to the borrower – see Pg#311 . The loan meets HPML guidelines, resolved - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579562 | N/A | N/A |
| XXXX | 62833451 |  | XXXX | Closed | 2025-12-10 23:45 | 2025-12-11 09:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (9.884%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s 288, and the Final Closing disclosure on Pg#'s 130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 347. An interior and exterior appraisal was completed for this property – see pg 79-92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, 443, and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-The loan's (9.884%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s 288, and the Final Closing disclosure on Pg#'s 130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 347. An interior and exterior appraisal was completed for this property – see pg 79-92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, 443, and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579170 | N/A | N/A |
| XXXX | 62833451 |  | XXXX | Closed | 2025-12-10 23:45 | 2025-12-11 09:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.884%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s 288, and the Final Closing disclosure on Pg#'s 130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 347. An interior and exterior appraisal was completed for this property – see pg 79-92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, 443, and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 <br>Open- - Due Diligence Vendor-12/11/2025 |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.884%) equals or exceeds the California HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.24%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s 288, and the Final Closing disclosure on Pg#'s 130, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 347. An interior and exterior appraisal was completed for this property – see pg 79-92, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 442, 443, and confirmation the appraisal was delivered to the borrower – see Pg#'s 169. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-12/11/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6579169 | N/A | N/A |
| XXXX | 68410092 |  | XXXX | Closed | 2025-12-12 03:57 | 2025-12-12 04:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (11.427%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosure is missing in file and loan information is on Pg#'s 454 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 454. An interior and exterior appraisal was completed for this property – see pg# 16,30 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 188, and confirmation the appraisal was delivered to the borrower – see Pg#'s 185. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-The loan's (11.427%) APR equals or exceeds the Federal HPML threshold of (9.67%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.17%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosure is missing in file and loan information is on Pg#'s 454 and the Final Closing disclosure on Pg#'s 207, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 454. An interior and exterior appraisal was completed for this property – see pg# 16,30 , the appraisal disclosure was provided to the borrower(s)- see Pg#'s 188, and confirmation the appraisal was delivered to the borrower – see Pg#'s 185. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/12/2025<br>|  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 6597941 | N/A | N/A |
| XXXX | 62789630 |  | XXXX | Closed | 2025-12-16 03:19 | 2025-12-16 05:18 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Resolved. Variance in FICO does not affect eligibility or LTV parameters. - Due Diligence Vendor-12/16/2025 <br>Open-Qualifying FICO on the 1008 Page is '784' or blank, but the Qualifying FICO from the Credit Liabilities Page is '770' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. - Due Diligence Vendor-12/16/2025 |  | Resolved-Resolved. Variance in FICO does not affect eligibility or LTV parameters. - Due Diligence Vendor-12/16/2025<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 6638038 | N/A | N/A |
| XXXX | 62789630 |  | XXXX | Closed | 2025-12-10 23:22 | 2025-12-16 03:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-First lien note and DOT provided. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. Please see attached Supporting docs - Seller-12/15/2025 <br>Open-First lien note and DOT are missing in file. Documentation detailing the first lien's balance, payments, etc are required by guidelines - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached Supporting docs - Seller-12/15/2025<br>| Resolved-First lien note and DOT provided. - Due Diligence Vendor-12/16/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6579090 | N/A | N/A |
| XXXX | 62789630 |  | XXXX | Closed | 2025-12-10 23:20 | 2025-12-16 03:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-12/16/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/15/2025 <br>Open-Borrower 1 Credit Report is Missing. Borrower credit report is missing in file. A supplemental report was provided (page #245) without any FICO scores listed. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/15/2025<br>| Resolved-Borrower 1 Credit Report provided. - Due Diligence Vendor-12/16/2025 <br>Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-12/16/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6579082 | N/A | N/A |
| XXXX | 66735348 |  | XXXX | Closed | 2025-12-13 05:39 | 2025-12-13 09:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (10.936%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 183, 243-244 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 243-244. An interior and exterior appraisal was completed for this property – see pg# 25, 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132., 322. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/13/2025 <br>Open- - Due Diligence Vendor-12/13/2025 <br>Open- - Due Diligence Vendor-12/13/2025 <br>Open- - Due Diligence Vendor-12/13/2025 <br>Open- - Due Diligence Vendor-12/13/2025 |  | Resolved-The loan's (10.936%) APR equals or exceeds the Federal HPML threshold of (9.74%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.24%).(12 CFR 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 183, 243-244 and the Final Closing disclosure on Pg#'s 66, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 243-244. An interior and exterior appraisal was completed for this property – see pg# 25, 37, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 322, and confirmation the appraisal was delivered to the borrower – see Pg#'s 132., 322. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-12/13/2025<br>|  |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6613686 | N/A | N/A |
| XXXX | 66942677 |  | XXXX | Closed | 2025-12-11 23:49 | 2025-12-16 05:35 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Resolved. Lender provided current Hazard Insurance. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. The HOI for the subject has an effective date of XXXX. Please see attached. - Seller-12/15/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Hazard insurance effective date of XXXX is after the note date of XXXX - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. The HOI for the subject has an effective date of 02/10/2025. Please see attached. - Seller-12/15/2025<br>| Resolved-Resolved. Lender provided current Hazard Insurance. - Due Diligence Vendor-12/16/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6596912 | N/A | N/A |
| XXXX | 66942677 |  | XXXX | Closed | 2025-12-12 00:39 | 2025-12-16 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (12.464%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 426 and the Final Closing disclosure on Pg#'s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 493 An interior and exterior appraisal was completed for this property – see pg# 84, 101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 573, and confirmation the appraisal was delivered to the borrower – see Pg#'s 238. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br>Resolved-The loan's (12.464%) APR equals or exceeds the Federal HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.23%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 426 and the Final Closing disclosure on Pg#'s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 493 An interior and exterior appraisal was completed for this property – see pg# 84, 101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 573, and confirmation the appraisal was delivered to the borrower – see Pg#'s 238. - Due Diligence Vendor-12/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6597097 | N/A | N/A |
| XXXX | 66942677 |  | XXXX | Closed | 2025-12-12 00:39 | 2025-12-16 05:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br>Open- - Due Diligence Vendor-12/16/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.464%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 426 and the Final Closing disclosure on Pg#'s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 493 An interior and exterior appraisal was completed for this property – see pg# 84, 101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 573, and confirmation the appraisal was delivered to the borrower – see Pg#'s 238. <br> - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-12/16/2025 <br>Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (12.464%) equals or exceeds the California HPML threshold of (9.73%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.23%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 426 and the Final Closing disclosure on Pg#'s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 493 An interior and exterior appraisal was completed for this property – see pg# 84, 101, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 573, and confirmation the appraisal was delivered to the borrower – see Pg#'s 238. <br> - Due Diligence Vendor-12/12/2025<br>|  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6597096 | N/A | N/A |
| XXXX | 61920544 |  | XXXX | Closed | 2025-12-12 00:58 | 2025-12-15 06:46 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Resolved. The loan's (12.537%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.76%), which is the comparable average prime offer rate of (6.26%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (11.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Non-QM Loan. - Due Diligence Vendor-12/15/2025 <br> Rescinded-The loan's (12.537%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.76%), which is the comparable average prime offer rate of (6.26%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (11.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Non-QM Loan. - Due Diligence Vendor-12/12/2025 <br> Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-Resolved. The loan's (12.537%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.76%), which is the comparable average prime offer rate of (6.26%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (11.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Non-QM Loan. - Due Diligence Vendor-12/15/2025 <br> Rescinded-The loan's (12.537%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.76%), which is the comparable average prime offer rate of (6.26%) plus 3.5. The System used the following date to perform the APOR index lookup (XXXX). The system added 3.5 to the comparable APOR because the ($XXXX) note amount equals or exceeds ($XXXX). The system used an interest rate of (11.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) Non-QM Loan. - Due Diligence Vendor-12/12/2025 |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6597152 | N/A | N/A |
| XXXX | 61920544 |  | XXXX | Closed | 2025-12-12 00:58 | 2025-12-12 09:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (12.537%) APR equals or exceeds the Federal HPML threshold of (9.76%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s 393, and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 443. An interior and exterior appraisal was completed for this property – see pg 38-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 521, 522, and confirmation the appraisal was delivered to the borrower – see Pg#'s 307-308. - Due Diligence Vendor-12/12/2025 <br>Open- - Due Diligence Vendor-12/12/2025 |  | Resolved-The loan's (12.537%) APR equals or exceeds the Federal HPML threshold of (9.76%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.26%).(12 CFR 1026.35(a)(1)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s 393, and the Final Closing disclosure on Pg#'s 288, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 443. An interior and exterior appraisal was completed for this property – see pg 38-45, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 521, 522, and confirmation the appraisal was delivered to the borrower – see Pg#'s 307-308. - Due Diligence Vendor-12/12/2025<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6597154 | N/A | N/A |
| XXXX | 68264434 |  | XXXX | Closed | 2025-12-16 02:50 | 2025-12-18 00:22 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti Steering Disclosure is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/18/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025 <br>Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, Anti-Steering Disclosure is missing in file. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025<br>| Resolved-Anti Steering Disclosure is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-12/18/2025 <br>Resolved-Resolved - Due Diligence Vendor-12/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6637837 | N/A | N/A |
| XXXX | 68264434 |  | XXXX | Closed | 2025-12-16 01:22 | 2025-12-18 00:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-P&L in file has for 10 Months, provided 24 Months P&L, Changes made in system, Finding Resolved - Due Diligence Vendor-12/18/2025 <br> Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025 <br> Open-Borrower 1 YTD Profit & Loss Missing Borrower qualified with P&L income. The provided P&L covers 10 months of activity. However, section 7.3 of guidelines requires P&L transactions to cover with the most recent 12 or 24 months of business activity - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/17/2025<br>| Resolved-P&L in file has for 10 Months, provided 24 Months P&L, Changes made in system, Finding Resolved - Due Diligence Vendor-12/18/2025 <br>Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-12/18/2025<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6637513 | N/A | N/A |
| XXXX | 68264434 |  | XXXX | Closed | 2025-12-16 02:51 | 2025-12-16 07:06 | Resolved | 1 - Information A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-The loan fees ($XXXX) exceed the (QM) (Note Amount >=$XXXX) fee limit, which is 3% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (12 CFR 1026.43(e)(3). Resolved. QM fail is not applicable to this NonQM fail. - Due Diligence Vendor-12/16/2025 <br> Open- - Due Diligence Vendor-12/16/2025 |  | Resolved-The loan fees ($XXXX) exceed the (QM) (Note Amount >=$XXXX) fee limit, which is 3% of the Total Loan Amount XXXX), the difference is ($XXXX). (12 CFR 1026.43(e)(3). Resolved. QM fail is not applicable to this NonQM fail. - Due Diligence Vendor-12/16/2025 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6637838 | N/A | N/A |
| XXXX | 63909342 |  | XXXX | Closed | 2025-12-16 03:18 | 2026-01-02 16:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV Exceeds Guideline CLTV Waived. Lender provided exception for FICO being 4 points under requirement for 65% LTV. - Due Diligence Vendor-12/16/2025 |  | Waived-Audited CLTV Exceeds Guideline CLTV Waived. Lender provided exception for FICO being 4 points under requirement for 65% LTV. - Due Diligence Vendor-12/16/2025<br>|  |  | 41.72% DTI is below the maximum 50% DTI by 8.28%<br> Borrower has been employed in same career for 8 years.<br> 0x30 mortgage history for 60 months.<br>| CA | Investment | Refinance | Cash Out - Other | 6638033 | Originator Pre-Close | Yes |
| XXXX | 63909342 |  | XXXX | Closed | 2025-12-16 06:36 | 2025-12-29 09:59 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Resolved. Borrower mortgage history verified on the provided CBR and Fraud report, XXXX has been updated to reflect - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. I disagree. The mortgage statement and VOM only show XXXX on the loan. Our borrower, XXXX is not financially responsible for this mortgage loan. Please clear this finding or escalate to Management. - Seller-12/26/2025 <br> Open-Per the Matrix dated XXXX, 0x30x12 On all mortgages for all borrowers. Minimum 12 months housing history required. The primary home mortgage with XXXX reflects a 1x30 in January 2025 which is within the past 12 months and does not meet guidelines. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. I disagree. The mortgage statement and VOM only show XXXX on the loan. Our borrower, XXXX is not financially responsible for this mortgage loan. Please clear this finding or escalate to Management. - Seller-12/26/2025 | Resolved-Resolved. Borrower mortgage history verified on the provided CBR and Fraud report, LauraMac has been updated to reflect - Due Diligence Vendor-12/29/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6639675 | N/A | N/A |
| XXXX | 67034276 |  | XXXX | Closed | 2025-12-18 11:28 | 2025-12-22 15:43 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/21/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee, Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/18/2025 <br>Open- - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/21/2025<br>| Resolved-Resolved - Due Diligence Vendor-12/22/2025<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6688469 | N/A | N/A |
| XXXX | 67034276 |  | XXXX | Closed | 2025-12-18 13:43 | 2025-12-22 15:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap credit report or Undisclosed credit monitoring. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6691577 | N/A | N/A |
| XXXX | 67034276 |  | XXXX | Closed | 2025-12-17 22:41 | 2025-12-22 04:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower 1 Business Bank Statements Missing Documentation only November XXXX statements in loan file for all four business- Provide all bank statements for four accts#sXXXX, XXXX, XXXX, XXXX missing in loan file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6677521 | N/A | N/A |
| XXXX | 65633634 |  | XXXX | Closed | 2025-12-16 23:13 | 2025-12-17 23:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-3rd party VOE is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached printout reflecting header print notes - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Business License search on page #XXX is missing a search date. As per XXXXXXXXXX, For self-employed verify existence of business within XX-days of the note date with one of the following : Letter from business tax professional, On-line verification from regulatory agency or licensing bureau, or Certification verifying business existence through direct contact or internet search. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached printout reflecting header print notes - Seller-XX/XX/XXXX<br>| Resolved-3rd party VOE is missing in file, Provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6656425 | N/A | N/A |
| XXXX | 68048507 |  | XXXX | Closed | 2025-12-19 09:26 | 2025-12-22 05:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached, thank you and have a great weekend. - Seller-XX/XX/XXXX <br>Open-Missing lock confirmation in file reflecting no prepayment penalty - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached, thank you and have a great weekend. - Seller-XX/XX/XXXX<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 6706300 | N/A | N/A |
| XXXX | 68856007 |  | XXXX | Closed | 2025-12-19 06:28 | 2025-12-23 09:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees on the last Closing Disclosure (XXXXXX) has increased by more than XX% over the current baseline value of (XXXXXX). The total amount of fees in the XX% category cannot exceed (XXXXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXXX.X(e)(X)(ii); XX CFR XXXXX.X(e)(X)(iv)). COC is missing for "Recording Fees – Mortgage/Deed of Trust" has increased from Revised CD X (XX) to Revised CD X (XX).<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6702172 | N/A | N/A |
| XXXX | 68856007 |  | XXXX | Closed | 2025-12-19 06:28 | 2025-12-23 09:42 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br>Open-The total amount of the XX% category fees (XXXXXX) has increased by more than XX% over the current baseline value of (XXXXXX). The total amount of fees in the XX% category cannot exceed (XXXXXX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXXX.X(e)(X)(ii); XX CFR XXXXX.X(e)(X)(iv)). COC is missing for "Recording Fees – Mortgage/Deed of Trust" has increased from Revised CD X (XX) to Revised CD X (XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6702173 | N/A | N/A |
| XXXX | 68856007 |  | XXXX | Closed | 2025-12-19 06:28 | 2025-12-23 09:42 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved reran maent - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XXXXXX) APR equals or exceeds the Federal HPML threshold of (XXXXX). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXXX).(XX CFR XXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, 2nd lien, the Final Closing disclosure on Pg#'s XXX, XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XXX. The loan meets HPML XXXXXXXXXX, resolved.<br>Escrow waiver disclosures is missing in file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved reran maent - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (XXXXXX) APR equals or exceeds the Federal HPML threshold of (XXXXX). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (XXXXX).(XX CFR XXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXXXX. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, 2nd lien, the Final Closing disclosure on Pg#'s XXX, XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XXX. The loan meets HPML XXXXXXXXXX, resolved.<br>Escrow waiver disclosures is missing in file. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6702174 | N/A | N/A |
| XXXX | 60746329 |  | XXXX | Closed | 2025-12-22 01:20 | 2025-12-29 05:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Correct COC received. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of (XXXXXX), Principal Reduction for Excess Charges of (XXXXXX), and general or specific lender credit increases of (XXXXXX) were applied to the total fee variance of (XXXXXXXX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The LE dated XX/XX/XXXX had a newly-added fee (Xnd Appraisal) for XXXXXXX and the Appraisal Fee increased from XXXX to XXXX (XXXX). This is a total increase of XXXX over the LE dated XX/XX/XXXX. A Lender credit of XXXXX was applied, but not until the Initial CD dated XX/XX/XXXX. The COC for the fee increases that occurred on XX/XX/XXXX is missing from the file. (A COC for XX/XX/XXXX was provided, but only references a rate lock & change in Per-Diem Interest. It does not address the increases for the appraisals. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Correct COC received. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6729103 | N/A | N/A |
| XXXX | 60746329 |  | XXXX | Closed | 2025-12-22 01:20 | 2025-12-29 05:56 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-FSS with corresponding PCCD received. System updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under XXXXXXXXXXXX, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXXX.XX(c) and Official Staff Commentary) Per the Final CD, the Loan Disbursement dated was XX/XX/XXXX. However, the Notice of Right to Cancel gives an expiration date of XX/XX/XXXX. The loan disbursed prior to the end of the rescission period. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-FSS with corresponding PCCD received. System updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6729104 | N/A | N/A |
| XXXX | 69627201 |  | XXXX | Closed | 2025-12-22 01:26 | 2025-12-23 01:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provided Verification document Expired required Updated 3rd party Verification document. <br> XXXXXXXXXX: For self-employed verify existence of business within XX-days of the note date with one of <br> the following:<br> o Letter from business tax professional.<br> o On-line verification from regulatory agency or licensing bureau. (Dates XX/XX/XXXX)<br> o Certification verifying business existence through direct contact or internet search. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6729132 | N/A | N/A |
| XXXX | 60660010 |  | XXXX | Closed | 2025-12-31 05:42 | 2026-01-06 08:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 XXX 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 XXX § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 XXX §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien, no escrows. the Final Closing disclosure on Pg#'s 57, Rate lock date was entered correctly – see Pg#'s 251,. An interior and exterior appraisal was completed for this property – see pg# 15, 27, the appraisal disclosure was to the borrower(s)- see Pg#'s 43, and confirmation the appraisal was delivered to the borrower – see Pg#'s 45. The loan does not meets XXXX guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding 3.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(12 XXX 1026.35(a)(1)(iii)) This loan failed the higher-priced mortgage loan test. (12 XXX § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 XXX §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. 2nd lien, no escrows. the Final Closing disclosure on Pg#'s 57, Rate lock date was entered correctly – see Pg#'s 251,. An interior and exterior appraisal was completed for this property – see pg# 15, 27, the appraisal disclosure was to the borrower(s)- see Pg#'s 43, and confirmation the appraisal was delivered to the borrower – see Pg#'s 45. The loan does not meets XXXX guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 6868453 | N/A | N/A |

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## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6 - Schedule 3**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 60696880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.52 | 56.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 62357438 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 10.77 | 66.99 | XXXX | XXXX | .0000 | Other | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 89.0 | 0.11 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  |  |  |  |  |  |  |  |  | XXXX |
| 66941244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.88 | 78.41 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66133625 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 69.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 66706531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.64 | 64.22 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69396952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.24 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 66974621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.27 | 66.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 65207980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.34 | 60.95 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 96.0 | 0.04 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68434436 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 34.71 | 69.96 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66174096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 9.52 | 40.52 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62637203 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.52 | 40.71 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 64528201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.0 | 58.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 66415441 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.58 | 68.97 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 64743290 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.58 | 42.91 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62558732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.27 | 47.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 63960013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 47.58 | 75.0 | XXXX | XXXX | .0000 | AVM | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | .0000 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 60200523 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.33 | 53.19 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 67783550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.26 | 69.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 67187877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 74.87 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  | XXXX |
| 65375553 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.14 | 74.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 60913461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.26 | 57.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61500190 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 6.78 | 24.89 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69553681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.5 | 79.59 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61944624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.17 | 40.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 63660274 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.19 | 38.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 60877875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.3 | 74.25 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61230513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 39.22 | 68.91 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65152835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.96 | 74.4 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65646753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.03 | 79.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 64064565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.38 | 66.97 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 64335069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.38 | 73.29 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 66504285 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.64 | 70.82 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | No Risk No Rated | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62458950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.37 | 67.23 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69334998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.31 | 69.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 60373662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.26 | 74.76 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61153457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.64 | 79.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 68320225 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.07 | 63.07 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66234164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.69 | 58.24 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66514042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.14 | 39.38 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65334280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.0 | 74.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 60457600 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.26 | 66.4 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65625677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.08 | 75.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 60512447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 50.27 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 65165382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.0 | 70.95 | XXXX | XXXX | -.0357 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0357 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66167527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.08 | 70.42 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 67420758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.17 | 58.39 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63249354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.23 | 72.95 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65152557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.76 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 60504076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.8 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 60454851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.7 | 55.24 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 66962260 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.03 | 64.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68796882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.38 | 66.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 66436620 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.55 | 78.28 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62639801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.91 | 29.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 67544394 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 16.12 | 69.89 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68126995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.67 | 79.9 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 67086777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.89 | 58.4 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63033898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.58 | 69.84 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68634060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.92 | 49.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 67273547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.86 | 69.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 68777522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.88 | 74.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 66326028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.08 | 55.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 68619556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.73 | 64.63 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 68852319 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.67 | 64.57 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 64027414 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.33 | 67.54 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 67568716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.02 | 49.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 61055249 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.18 | 74.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 68196712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.86 | 65.79 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65285727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.42 | 61.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 63955287 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.82 | 74.67 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62400608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.61 | 66.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 68970550 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.62 | 74.6 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  |  |  |  |  |  |  |  |  | XXXX |
| 61123855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.33 | 73.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 60048698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.75 | 59.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 66846861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.23 | 59.88 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66012474 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.75 | 78.62 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69363702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.77 | 74.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 61776144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.45 | 72.25 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62391127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.81 | 74.38 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 64992601 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.07 | 79.78 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62410391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 11.66 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68313042 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.53 | 72.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 65275105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.93 | 69.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 60904516 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.21 | 64.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 60460713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.54 | 65.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 65242139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.45 | 80.0 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65221392 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.3 | 58.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 66138953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.02 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 62843450 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.97 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 67913639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.05 | 60.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 64686475 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.25 | 58.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 63952652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.31 | 72.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 61930572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.68 | 74.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 61257707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.18 | 69.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 64950431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.63 | 69.77 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61406992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.05 | 79.99 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69279608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.81 | 68.24 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61635753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.26 | 66.32 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 61541954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.82 | 72.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| 69130218 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.16 | 61.62 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68376482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 79.9 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68043528 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.76 | 78.7 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66647736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.94 | 72.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 69122235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.84 | 74.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 65991781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.69 | 87.66 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63677631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 24.72 | 79.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65088634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.47 | 74.99 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 60836618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.81 | 42.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 62354532 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.75 | 64.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 65164361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 29.81 | 61.98 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69718025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.97 | 74.85 | XXXX | XXXX | -.0868 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0868 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61908525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 12.5 | 37.42 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62655631 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.83 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 63322700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.16 | 79.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 63381687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.09 | 50.55 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 67597448 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.47 | 52.98 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63204687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 36.63 | 66.45 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 67057929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.19 | 80.63 | XXXX | XXXX | .0000 | Other | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0.0 | .0000 | XXXX |  |  |  |  |  |  |  |  |  | XXXX |
| 68980044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.94 | 74.96 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| 67670289 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 14.74 | 69.75 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68499783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 35.42 | 54.78 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69070672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 5.88 | 63.48 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63122499 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.14 | 79.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 63952842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 14.63 | 64.89 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69627584 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.91 | 79.82 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 69538527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.86 | 72.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 69806853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.76 | 36.37 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 65242242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.07 | 74.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 69655023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 23.07 | 66.6 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | 92.0 | 0.08 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66133730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.36 | 68.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 66032544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.31 | 35.01 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62656834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.55 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 65494564 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.76 | 39.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 61471690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.19 | 48.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX |
| 65854119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.3 | 59.93 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62833451 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.79 | 74.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 68410092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.33 | 84.09 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 62789630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 5.08 | 65.99 | XXXX | XXXX | .0152 | 1025 Small Residential Income Report | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 66735348 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.72 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| 66942677 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.49 | 90.0 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 61920544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.21 | 74.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 68264434 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.18 | 73.81 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| 63791333 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.58 | 39.15 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 63909342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.24 | 64.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 67034276 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.08 | 74.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 60602070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.41 | 74.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 65633634 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.57 | 74.3 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 64886781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 44.32 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68048507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.67 | 74.11 | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 68856007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.1 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 2.1 | XXXX |
| 60746329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.38 | 46.88 | XXXX | XXXX | .0625 | 1004 URAR | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | -.0406 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 69627201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.78 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  | XXXX |
| 62020901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 19.17 | 60.13 | XXXX | XXXX | .0000 | Desk Review | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 60660010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.58 | 79.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  | 0.0 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

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## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6 - Schedule 4**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 60696880 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/14/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.537% |  | 8.000% | 8.000% | $917.21 | No |  | XXXX | XXXX | $3716.16 | $309.68 | $0.00 | $0.00 | $2550.00 | $4408.68 | $15474.88 | N/A | XXXX |  | $0.00 |  |  | 28.22% | 28.22% | 28.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 30 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 505493.41 | 114.7 | 619485.59 | 140.5 | No | 56.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62357438 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/22/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.983% |  | 8.875% | 8.875% | $2784.76 | No |  | XXXX | XXXX | $8328.96 | $694.08 | $0.00 | $0.00 | $8389.92 | $14495.82 | $25708.72 | N/A | XXXX |  | $0.00 |  |  | 42.71% | 42.05% | 42.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18130.00 | 1.3 | 285703.13 | 19.7 | No | 66.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66941244 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 12.654% |  | 11.875% | 11.875% | $1273.75 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1691.38 | $2965.13 | $5614.61 | N/A | XXXX |  | $0.00 |  |  | 49.93% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 62.55% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 113698.90 | 38.4 | No | 78.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66133625 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/19/2025 | 6.610% | Manual Underwriting | Manual Underwriting | No | 8.266% |  | 8.250% | 8.250% | $2629.43 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $7633.17 | $10262.60 | $21282.53 | N/A | XXXX |  | $0.00 |  |  | 43.03% | 43.03% | 43.03% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 90.85% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 | Borrower - Executed 4506T Verified - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 199844.41 | 19.5 | No | 69.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66706531 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $3888.95 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $6009.62 | $9898.57 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.202 | 1.2 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 484558.93 | 49 | No | 64.22 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69396952 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.866% |  | 8.625% | 8.625% | $3437.83 | No |  | XXXX | XXXX | $3672.00 | $306.00 | $399.96 | $33.33 | $11674.88 | $16299.36 | $254289.64 | N/A | XXXX | WA | $33.33 | 10/01/2025 | Annually | 8.65% | 8.65% | 8.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 430873.35 | 26.4 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66974621 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/16/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 12.450% |  | 11.750% | 11.750% | $2119.76 | No |  | XXXX | XXXX | $2171.04 | $180.92 | $0.00 | $0.00 | $1714.00 | $4599.25 | $20364.75 | N/A | XXXX |  | $0.00 |  |  | 36.07% | 36.07% | 36.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 183563.72 | 39.9 | No | 66.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65207980 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/04/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 8.873% |  | 8.500% | 8.500% | $1368.67 | No |  | XXXX | XXXX | $1635.96 | $136.33 | $0.00 | $0.00 | $1821.03 | $3930.92 | $5475.36 | N/A | XXXX |  | $0.00 |  |  | 48.22% | 48.22% | 48.22% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 24 | 24 | Work Number | No | 0 |  | N/A | Borrower - Other, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 77293.75 | 19.7 | No | 60.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68434436 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 11.125% | 11.125% | $2337.13 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1514.51 | $3851.64 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.168 | 1.16 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 230077.41 | 59.7 | No | 69.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66174096 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $1591.29 | No |  | XXXX | XXXX | $13989.96 | $1165.83 | $0.00 | $0.00 | $3023.00 | $6808.62 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 2.158 | 2.15 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 185941.33 | 40.3 | No | 40.52 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62637203 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | N/A | 0 | 09/20/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.250% |  | 8.250% | 8.250% | $1502.53 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4098.00 | $5600.53 | $17727.11 | N/A | XXXX |  | $0.00 |  |  | 35.51% | 35.48% | 35.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 7 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - 2024, 2025, 2023 | Borrower - Executed 4506T Verified - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 191139.50 | 34.1 | No | 40.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64528201 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/08/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 8.562% |  | 8.375% | 8.375% | $4370.42 | No |  | XXXX | XXXX | $2846.64 | $237.22 | $0.00 | $0.00 | $4109.11 | $9942.37 | $20819.62 | N/A | XXXX |  | $0.00 |  |  | 48.83% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 563850.48 | 56.7 | No | 58.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66415441 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/05/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 9.285% |  | 9.000% | 9.000% | $2413.87 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2794.86 | $5208.73 | $18372.35 | N/A | XXXX |  | $0.00 |  |  | 44.78% | 44.47% | 44.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, 3 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 288426.00 | 55.4 | No | 68.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $2079.37 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4691.00 | $6770.37 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 240765.13 | 35.6 | No | 42.91 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/09/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 9.040% |  | 8.875% | 8.875% | $1670.85 | No |  | XXXX | XXXX | $1005.00 | $83.75 | $99.96 | $8.33 | $3749.25 | $5512.18 | $30121.82 | N/A | XXXX | FL | $8.33 | 11/01/2025 | Annually | 18.70% | 18.72% | 18.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 YR 1099 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 204159.56 | 37 | No | 47.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63960013 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/05/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 9.683% |  | 9.375% | 9.375% | $3133.16 | No |  | XXXX | XXXX | $1413.00 | $117.75 | $0.00 | $0.00 | $1004.54 | $4577.82 | $11881.18 | N/A | XXXX |  | $0.00 |  |  | 27.99% | 27.99% | 27.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  |  | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - null CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 365232.90 | 79.8 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.422% |  | 7.875% | 7.875% | $942.59 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2849.99 | $3792.58 | $4979.18 | N/A | XXXX |  | $0.00 |  |  | 48.91% | 48.62% | 48.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 140 | 24 | Work Number | Yes | 24 | 24 | Other | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus, Overtime and Bonus, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 91917.85 | 24.2 | No | 53.19 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 10.036% |  | 9.500% | 9.500% | $630.64 | No |  | XXXX | XXXX | $2548.56 | $212.38 | $0.00 | $0.00 | $901.64 | $2273.21 | $3357.91 | N/A | XXXX |  | $0.00 |  |  | 38.68% | 41.51% | 41.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | MI | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51380.94 | 22.6 | No | 69.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67187877 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $1862.33 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2277.04 | $4139.37 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.594 | 1.594 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 200635.27 | 48.5 | No | 74.87 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/25/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 9.963% |  | 9.625% | 9.625% | $1954.98 | No |  | XXXX | XXXX | $0.00 | $0.00 | $1104.00 | $92.00 | $3405.00 | $5451.98 | $61458.52 | N/A | XXXX | VA | $92.00 |  | Monthly | 8.86% | 8.86% | 8.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 51.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | VA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 168000.16 | 30.8 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/02/2025 | 6.570% | Manual Underwriting | Manual Underwriting | No | 8.320% |  | 8.125% | 8.125% | $5568.73 | No |  | XXXX | XXXX | $0.00 | $0.00 | $864.36 | $72.03 | $35039.92 | $40680.68 | $62619.77 | N/A | XXXX | CA | $72.03 |  | Monthly | 43.60% | 43.60% | 43.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 218078.78 | 5.4 | No | 57.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/18/2025 | 5.900% | Manual Underwriting | Manual Underwriting | No | 8.978% |  | 8.375% | 8.375% | $1954.85 | No |  | XXXX | XXXX | $2448.36 | $204.03 | $0.00 | $0.00 | $3120.54 | $5721.54 | $11286.45 | N/A | XXXX |  | $0.00 |  |  | 58.44% | 33.94% | 33.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 58.08% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 70856.30 | 12.4 | No | 24.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/12/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 9.590% |  | 9.500% | 9.500% | $5711.92 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3449.58 | $9161.50 | $21909.34 | N/A | XXXX |  | $0.00 |  |  | 41.45% | 41.45% | 41.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | UT | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 222183.68 | 24.3 | No | 79.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $994.56 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1831.49 | $2826.05 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.168 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 40.63 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/17/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 7.975% |  | 7.750% | 7.750% | $5373.09 | No |  | XXXX | XXXX | $18690.00 | $1557.50 | $6120.00 | $510.00 | $9262.31 | $20152.79 | $357277.54 | N/A | XXXX | CA | $510.00 | 11/01/2025 | Monthly | 6.37% | 6.33% | 6.33% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - 2024, 2025 \|\| Co Borrower | Borrower - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 737250.00 | 36.6 | No | 38.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/09/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 9.372% |  | 9.250% | 9.250% | $1480.82 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1480.82 | $2961.64 | $7754.00 | N/A | XXXX |  | $0.00 |  |  | 39.99% | 37.24% | 37.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Wage, Wage, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | RI | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 80189.01 | 27.1 | No | 74.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/10/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 8.469% |  | 8.125% | 8.125% | $5197.48 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4971.59 | $10169.07 | $16271.42 | N/A | XXXX |  | $0.00 |  |  | 48.61% | 48.61% | 48.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 92.89% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65152835 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/19/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.463% |  | 7.990% | 7.990% | $1099.60 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2482.93 | $3582.53 | $35209.96 | N/A | XXXX |  | $0.00 |  |  | 9.78% | 11.33% | 11.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 139036.84 | 38.8 | No | 74.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65646753 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 05/14/2025 | 6.800% | Manual Underwriting | Manual Underwriting | No | 9.370% |  | 9.000% | 9.000% | $2116.16 | No |  | XXXX | XXXX | $1759.32 | $146.61 | $8976.00 | $748.00 | $1419.00 | $5162.27 | $7307.60 | N/A | XXXX | FL | $748.00 | 07/01/2025 | Monthly | 41.94% | 41.94% | 41.94% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 246376.60 | 47.7 | No | 79.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64064565 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $1367.86 | No |  | XXXX | XXXX | $0.00 | $0.00 | $528.00 | $44.00 | $1982.00 | $3393.86 |  | N/A | XXXX | CO | $44.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.031 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | HI | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 30453.36 | 9 | No | 66.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64335069 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/12/2025 | 6.540% | Manual Underwriting | Manual Underwriting | No | 9.256% |  | 8.875% | 8.875% | $1352.60 | No |  | XXXX | XXXX | $0.00 | $0.00 | $2343.96 | $195.33 | $1568.67 | $3116.60 | $4770.15 | N/A | XXXX | FL | $195.33 | 12/01/2025 | Annually | 42.73% | 42.74% | 42.74% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 48.36% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024"] - 2024 \|\| Co Borrower - Retirement, SESoleProprietor - 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024"] - 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23951.78 | 7.7 | No | 73.29 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66504285 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/25/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.999% |  | 8.875% | 8.875% | $5967.34 | No |  | XXXX | XXXX | $5561.04 | $463.42 | $0.00 | $0.00 | $21756.27 | $30792.02 | $91435.98 | N/A | XXXX |  | $0.00 |  |  | 29.98% | 29.74% | 29.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 742358.50 | 21.9 | No | 70.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62458950 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.221% |  | 9.000% | 9.000% | $6034.67 | No |  | XXXX | XXXX | $1797.12 | $149.76 | $0.00 | $0.00 | $2990.71 | $9815.86 | $52338.28 | N/A | XXXX |  | $0.00 |  |  | 30.05% | 30.87% | 30.87% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 729637.97 | 74.3 | No | 67.23 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69334998 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $3850.92 | No |  | XXXX | XXXX | $2627.64 | $218.97 | $0.00 | $0.00 | $3329.17 | $8122.59 | $53208.81 | N/A | XXXX |  | $0.00 |  |  | 30.05% | 29.72% | 29.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 409825.79 | 50.5 | No | 69.06 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60373662 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 06/05/2025 | 6.920% | Manual Underwriting | Manual Underwriting | No | 9.210% |  | 9.000% | 9.000% | $5793.28 | No |  | XXXX | XXXX | $1663.68 | $138.64 | $0.00 | $0.00 | $4796.36 | $11650.00 | $20217.68 | N/A | XXXX |  | $0.00 |  |  | 40.83% | 40.67% | 40.67% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 29 | 29 | Work Number | Yes | 29 | 29 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 506465.68 | 43.5 | No | 74.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61153457 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/19/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 9.824% |  | 9.500% | 9.500% | $3275.97 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3381.42 | $6657.39 | $20735.39 | N/A | XXXX |  | $0.00 |  |  | 26.04% | 26.04% | 26.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | PA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | PA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 364014.16 | 54.7 | No | 79.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68320225 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.250% | 10.250% | $4480.51 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $8167.97 | $12648.48 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.028 | 1.04 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 493339.77 | 32.8 | No | 63.07 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66234164 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 9.296% |  | 8.875% | 8.875% | $1829.98 | No |  | XXXX | XXXX | $0.00 | $0.00 | $5964.00 | $497.00 | $1757.40 | $4084.38 | $5969.79 | N/A | XXXX | CA | $497.00 |  | Monthly | 41.99% | 41.99% | 41.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 44092.68 | 10.8 | No | 58.24 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66514042 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/25/2025 | 6.220% | Manual Underwriting | Out of Scope | No | 8.817% |  | 8.250% | 8.250% | $601.01 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1976.75 | $2577.76 | $2627.46 | N/A | XXXX |  | $0.00 |  |  | 49.52% | 49.52% | 49.52% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 1 YR 1099 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 52.85% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Retirement - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 44496.49 | 17.3 | No | 39.38 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65334280 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.525% |  | 8.375% | 8.375% | $4788.46 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4215.87 | $9004.33 | $62929.67 | N/A | XXXX |  | $0.00 |  |  | 23.82% | 22.58% | 22.58% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 60.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 374929.86 | 41.6 | No | 74.72 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60457600 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 9.238% |  | 8.875% | 8.875% | $5967.34 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4803.68 | $10771.02 | $34615.76 | N/A | XXXX |  | $0.00 |  |  | 31.46% | 31.46% | 31.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 368120.35 | 34.2 | No | 66.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65625677 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/30/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.601% |  | 8.500% | 8.500% | $2867.52 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3565.24 | $6432.76 | $22696.87 | N/A | XXXX |  | $0.00 |  |  | 40.20% | 40.20% | 40.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 289896.99 | 45.1 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60512447 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/25/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.838% |  | 8.500% | 8.500% | $1922.28 | No |  | XXXX | XXXX | $5058.48 | $421.54 | $425.04 | $35.42 | $1305.07 | $4470.83 | $14731.65 | N/A | XXXX | AZ | $35.42 |  | Annually | 43.84% | 28.17% | 28.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 241272.89 | 54 | No | 50.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65165382 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.905% |  | 8.500% | 8.500% | $2691.20 | No |  | XXXX | XXXX | $2855.04 | $237.92 | $0.00 | $0.00 | $1819.73 | $5321.45 | $10652.68 | N/A | XXXX |  | $0.00 |  |  | 39.32% | 39.16% | 39.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 336086.86 | 63.2 | No | 70.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66167527 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 07/15/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 8.696% |  | 8.500% | 8.500% | $5766.85 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $20361.82 | $26128.67 | $164831.54 | N/A | XXXX | FL | $0.00 |  |  | 25.81% | 25.57% | 25.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 52.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 727513.40 | 27.8 | No | 70.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67420758 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 07/09/2025 | 6.670% | Manual Underwriting | Manual Underwriting | No | 8.252% |  | 8.000% | 8.000% | $2465.45 | No |  | XXXX | XXXX | $2680.92 | $223.41 | $0.00 | $0.00 | $2534.51 | $6087.42 | $10810.18 | N/A | XXXX |  | $0.00 |  |  | 49.91% | 49.91% | 49.91% | No | No | 4 - Verified 2+ Mos |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | 3 - Stated, 3rd Party Verification |  | Self-Employed | Employed | Employed |  | 11.69 |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 29.44% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 | 783 | 777 | 808 |  |  |  | 783 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | CA | United States of America (USA) | 03-15-2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49317.67 | 8.1 | 347206.34 | 57 | No | 58.39 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A | XXXX | XXXX | XXXX | XXXX |
| 63249354 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/15/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.445% |  | 8.250% | 8.250% | $5634.50 | No |  | XXXX | XXXX | $4594.56 | $382.88 | $0.00 | $0.00 | $4087.70 | $11534.30 | $25670.08 | N/A | XXXX |  | $0.00 |  |  | 33.78% | 33.78% | 33.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 464547.87 | 40.3 | No | 72.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65152557 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/15/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 12.003% |  | 11.375% | 11.375% | $1897.78 | No |  | XXXX | XXXX | $1749.96 | $145.83 | $2880.00 | $240.00 | $3232.00 | $5515.61 | $14172.39 | N/A | XXXX | CA | $240.00 | 12/01/2025 | Monthly | 31.56% | 31.57% | 31.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 142906.24 | 25.9 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60504076 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 10.079% |  | 9.500% | 9.500% | $1654.80 | No |  | XXXX | XXXX | $0.00 | $0.00 | $780.00 | $65.00 | $1877.45 | $3597.25 | $94375.50 | N/A | XXXX | AZ | $65.00 | 12/01/2025 | Monthly | 12.84% | 12.90% | 12.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 69431.86 | 19.3 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60454851 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 9.938% |  | 9.500% | 9.500% | $1505.13 | No |  | XXXX | XXXX | $2069.04 | $172.42 | $0.00 | $0.00 | $1238.31 | $3588.63 | $6726.06 | N/A | XXXX |  | $0.00 |  |  | 46.34% | 44.95% | 44.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 6103.24 | 1.7 | No | 55.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66962260 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.819% |  | 8.625% | 8.625% | $3834.50 | No |  | XXXX | XXXX | $6071.04 | $505.92 | $0.00 | $0.00 | $14704.40 | $20914.82 | $42545.55 | N/A | XXXX |  | $0.00 |  |  | 49.07% | 49.96% | 49.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 430883.63 | 20.6 | No | 64.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68796882 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/15/2025 | 6.320% | Manual Underwriting | Manual Underwriting | No | 8.584% |  | 8.125% | 8.125% | $794.47 | No |  | XXXX | XXXX | $1266.96 | $105.58 | $900.00 | $75.00 | $2153.69 | $3793.66 | $13387.64 | N/A | XXXX | CA | $75.00 |  | Monthly | 28.97% | 28.59% | 28.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 100707.01 | 26.6 | No | 66.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66436620 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $2816.18 | No |  | XXXX | XXXX | $2445.00 | $203.75 | $0.00 | $0.00 | $4686.12 | $8040.92 | $11076.15 | N/A | XXXX |  | $0.00 |  |  | 47.99% | 40.93% | 40.93% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | UT | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 142558.96 | 17.7 | No | 78.28 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62639801 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/07/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.952% |  | 8.750% | 8.750% | $1785.33 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2111.17 | $3896.50 | $16134.44 | N/A | XXXX |  | $0.00 |  |  | 22.84% | 22.83% | 22.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 2775.69 | 0.7 | No | 29.33 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67544394 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 10.678% |  | 9.875% | 9.875% | $1469.69 | No |  | XXXX | XXXX | $1635.12 | $136.26 | $0.00 | $0.00 | $2781.91 | $5137.01 | $6936.49 | N/A | XXXX |  | $0.00 |  |  | 44.27% | 43.78% | 43.78% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 50786.36 | 9.9 | No | 69.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68126995 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.750% | 10.750% | $1306.87 | No |  | XXXX | XXXX | $0.00 | $0.00 | $5028.00 | $419.00 | $2253.96 | $3979.83 | $13264.00 | N/A | XXXX | CA | $419.00 | 12/01/2025 | Monthly | 33.61% | 36.06% | 36.06% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 135103.03 | 34 | No | 79.9 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67086777 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/07/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.967% |  | 8.500% | 8.500% | $1153.37 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3084.95 | $4238.32 | $29562.99 | N/A | XXXX |  | $0.00 |  |  | 15.73% | 15.79% | 15.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 143976.70 | 34 | No | 58.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63033898 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $1503.52 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3150.51 | $4654.03 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.171 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | NH | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 40446.38 | 8.7 | No | 69.84 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68634060 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/03/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.848% |  | 8.750% | 8.750% | $786.70 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4398.81 | $5185.51 | $6669.49 | N/A | XXXX |  | $0.00 |  |  | 44.54% | 44.54% | 44.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31031.59 | 6 | No | 49.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67273547 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | 5.730% | Manual Underwriting | Manual Underwriting | No | 11.179% |  | 10.375% | 10.375% | $933.57 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1999.84 | $2933.41 | $11956.61 | N/A | XXXX |  | $0.00 |  |  | 30.06% | 30.06% | 30.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 86407.07 | 29.5 | No | 69.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68777522 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/02/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 11.084% |  | 10.500% | 10.500% | $1450.78 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2444.73 | $3895.51 | $13382.22 | N/A | XXXX |  | $0.00 |  |  | 34.39% | 34.39% | 34.39% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 94.64% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 149757.00 | 38.4 | No | 74.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66326028 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6220 | 10/08/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.564% |  | 8.250% | 8.250% | $2253.80 | No |  | XXXX | XXXX | $1303.80 | $108.65 | $0.00 | $0.00 | $1939.15 | $5008.39 | $10223.61 | N/A | XXXX |  | $0.00 |  |  | 33.30% | 33.44% | 33.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 25.76 | 0 | No | 55.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68619556 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5517 | 10/17/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.166% |  | 7.875% | 7.875% | $2102.70 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4525.91 | $6628.61 | $42462.02 | N/A | XXXX |  | $0.00 |  |  | 16.25% | 16.27% | 16.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 280543.87 | 42.3 | No | 64.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68852319 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/25/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 11.154% |  | 10.875% | 10.875% | $2790.95 | No |  | XXXX | XXXX | $1789.08 | $149.09 | $0.00 | $0.00 | $2527.42 | $6082.94 | $9411.64 | N/A | XXXX |  | $0.00 |  |  | 49.85% | 47.97% | 47.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51920.25 | 8.5 | No | 64.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64027414 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/08/2025 | 6.750% | Manual Underwriting | Manual Underwriting | No | 10.039% |  | 9.625% | 9.625% | $1359.98 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3390.59 | $4750.57 | $7953.43 | N/A | XXXX |  | $0.00 |  |  | 41.16% | 41.16% | 41.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 37767.14 | 8 | No | 67.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67568716 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 10.344% |  | 9.875% | 9.875% | $1736.70 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3276.99 | $5013.69 | $12846.89 | N/A | XXXX |  | $0.00 |  |  | 32.73% | 32.73% | 32.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 187961.95 | 37.5 | No | 49.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61055249 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 15945 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 9.638% |  | 9.250% | 9.250% | $4919.60 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4807.75 | $9727.35 | $14585.65 | N/A | XXXX |  | $0.00 |  |  | 40.36% | 40.36% | 40.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 20 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 585582.07 | 60.2 | No | 74.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68196712 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $6238.12 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $6304.99 | $12543.11 | $31803.39 | N/A | XXXX |  | $0.00 |  |  | 26.11% | 25.38% | 25.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 718836.96 | 57.3 | No | 65.79 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65285727 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/09/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 12.608% |  | 12.250% | 12.250% | $2095.79 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4646.14 | $6741.93 | $26529.65 | N/A | XXXX |  | $0.00 |  |  | 33.88% | 35.63% | 35.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 193618.40 | 28.7 | No | 61.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63955287 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 10/01/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 11.497% |  | 10.875% | 10.875% | $2222.39 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $13013.32 | $15235.71 | $44484.09 | N/A | XXXX |  | $0.00 |  |  | 38.67% | 38.68% | 38.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 227098.77 | 14.9 | No | 74.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62400608 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $1871.44 | No |  | XXXX | XXXX | $5598.96 | $466.58 | $0.00 | $0.00 | $2130.22 | $5161.45 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.066 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 218052.35 | 42.3 | No | 66.57 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68970550 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4386.4 | 09/24/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.559% |  | 9.000% | 9.000% | $1098.31 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4195.93 | $5294.24 | $32321.05 | N/A | XXXX |  | $0.00 |  |  | 19.72% | 26.50% | 26.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 1 YR W2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | NA | 0 | No | 0 | Yes | 24 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 67940.36 | 12.8 | No | 74.6 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61123855 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 08/28/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 12.086% |  | 11.500% | 11.500% | $792.23 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2820.83 | $3613.06 | $4238.20 | N/A | XXXX |  | $0.00 |  |  | 46.56% | 49.14% | 49.14% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 19761.95 | 5.5 | No | 73.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60048698 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.600% |  | 9.250% | 9.250% | $5676.46 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4879.90 | $10793.43 | $26248.57 | N/A | XXXX |  | $0.00 |  |  | 41.94% | 41.94% | 41.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 172169.33 | 16 | No | 59.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66846861 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/09/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 10.279% |  | 9.990% | 9.990% | $876.83 | No |  | XXXX | XXXX | $0.00 | $0.00 | $450.00 | $37.50 | $2505.53 | $3419.86 | $11777.93 | N/A | XXXX | GA | $37.50 | 12/01/2025 | Annually | 41.99% | 41.10% | 41.10% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 49.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 28218.62 | 8.3 | No | 59.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66012474 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/26/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.060% |  | 8.990% | 8.990% | $6031.53 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $8503.88 | $14535.41 | $26654.66 | N/A | XXXX |  | $0.00 |  |  | 37.01% | 36.03% | 36.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 48 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | SC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | SC | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 744226.50 | 51.2 | No | 78.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69363702 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 09/22/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 11.043% |  | 10.750% | 10.990% | $1306.87 | No |  | XXXX | XXXX | $0.00 | $0.00 | $5268.00 | $439.00 | $3259.82 | $5005.69 | $59680.34 | N/A | XXXX | CA | $439.00 | 12/01/2025 | Monthly | 22.03% | 22.00% | 22.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 135355.69 | 27 | No | 74.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61776144 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/17/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 9.366% |  | 9.125% | 9.125% | $4068.16 | No |  | XXXX | XXXX | $4181.76 | $348.48 | $0.00 | $0.00 | $15493.97 | $20308.67 | $29684.36 | N/A | XXXX |  | $0.00 |  |  | 42.53% | 41.46% | 41.46% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CO | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 487887.79 | 24 | No | 14.45 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62391127 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.126% | $1152.87 | No |  | XXXX | XXXX | $5108.04 | $425.67 | $0.00 | $0.00 | $4332.49 | $6940.61 | $22814.33 | N/A | XXXX |  | $0.00 |  |  | 41.88% | 39.95% | 39.95% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 123638.91 | 17.8 | No | 74.38 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64992601 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 08/13/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 10.282% |  | 10.000% | 10.000% | $2290.46 | No |  | XXXX | XXXX | $2886.00 | $240.50 | $0.00 | $0.00 | $3098.58 | $6354.96 | $6783.80 | N/A | XXXX |  | $0.00 |  |  | 48.09% | 48.37% | 48.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 75.06% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SSI and Disability - Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TN | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | TN | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 192908.32 | 30.4 | No | 79.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62410391 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1593.42 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $10076.59 | $11670.01 | $16188.15 | N/A | XXXX |  | $0.00 |  |  | 44.41% | 44.41% | 44.41% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 125637.50 | 10.8 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68313042 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/09/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 12.275% |  | 11.750% | 11.750% | $807.53 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2684.26 | $3491.79 | $6045.38 | N/A | XXXX |  | $0.00 |  |  | 45.83% | 45.81% | 45.81% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 30905.99 | 8.9 | No | 72.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65275105 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $4398.64 | No |  | XXXX | XXXX | $3322.08 | $276.84 | $0.00 | $0.00 | $16334.61 | $21900.83 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 480673.50 | 22 | No | 69.99 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60904516 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 9.067% |  | 8.990% | 8.990% | $2070.05 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2626.47 | $4696.52 | $5086.78 | N/A | XXXX |  | $0.00 |  |  | 49.99% | 49.99% | 49.99% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | OR | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 237822.06 | 50.6 | No | 64.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60460713 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $1426.45 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1205.27 | $2631.72 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.33 |  | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | RI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 162397.60 | 61.7 | No | 65.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65242139 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3859.37 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 12.136% |  | 11.750% | 11.750% | $963.77 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $6906.16 | $7869.93 | $20102.37 | N/A | XXXX |  | $0.00 |  |  | 38.26% | 37.68% | 37.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 53211.12 | 6.8 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65221392 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $1589.04 | No |  | XXXX | XXXX | $0.00 | $0.00 | $279.96 | $23.33 | $3287.61 | $4899.98 | $9616.19 | N/A | XXXX | MD | $23.33 | 12/01/2025 | Annually | 44.50% | 44.50% | 44.50% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MD | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | MD | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 69807.46 | 14.3 | No | 58.33 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66138953 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 10.123% |  | 9.750% | 9.750% | $2379.86 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2749.94 | $5129.80 | $23453.37 | N/A | XXXX |  | $0.00 |  |  | 29.28% | 29.28% | 29.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 270075.00 | 52.7 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/17/2025 | 5.820% | Manual Underwriting | Out of Scope | No | 8.948% |  | 8.500% | 8.500% | $1648.86 | No |  | XXXX | XXXX | $0.00 | $0.00 | $2100.00 | $175.00 | $3218.25 | $5042.11 | $12675.82 | N/A | XXXX | CA | $175.00 | 12/01/2025 | Monthly | 42.34% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 183460.40 | 36.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $2058.16 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4476.73 | $6534.89 | $9315.25 | N/A | XXXX |  | $0.00 |  |  | 40.98% | 40.98% | 40.98% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 88604.79 | 13.6 | No | 60.02 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64686475 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 10.316% |  | 9.750% | 9.750% | $1933.10 | No |  | XXXX | XXXX | $1563.00 | $130.25 | $0.00 | $0.00 | $3298.52 | $6212.57 | $21271.43 | N/A | XXXX |  | $0.00 |  |  | 24.52% | 24.50% | 24.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 168691.75 | 27.2 | No | 58.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63952652 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3144.25 | 10/20/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.441% |  | 7.875% | 7.875% | $543.80 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3219.65 | $4004.45 | $25731.15 | N/A | XXXX |  | $0.00 |  |  | 22.52% | 23.01% | 23.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | Closed End - Fixed |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 3041.27 | 0.8 | No | 72.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61930572 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8095 | 10/22/2025 | 5.760% | Manual Underwriting | Manual Underwriting | No | 8.612% |  | 8.250% | 8.250% | $2811.82 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2446.19 | $5258.01 | $5444.71 | N/A | XXXX |  | $0.00 |  |  | 49.90% | 49.90% | 49.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 1 YR W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Retirement, Retirement - 1 YR W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 123938.75 | 23.6 | No | 74 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61257707 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3380 | 10/14/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 9.141% |  | 8.999% | 8.999% | $4453.99 | No |  | XXXX | XXXX | $8656.92 | $721.41 | $1560.00 | $130.00 | $13643.53 | $21830.58 | $55966.42 | N/A | XXXX | CA | $130.00 | 01/01/2026 | Monthly | 35.30% | 35.29% | 35.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - Executed 4506T Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 528316.86 | 24.2 | No | 69.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64950431 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7000.33 | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.875% |  | 8.625% | 8.625% | $3632.28 | No |  | XXXX | XXXX | $2276.64 | $189.72 | $450.00 | $37.50 | $1954.15 | $6604.15 | $23491.85 | N/A | XXXX | WA | $37.50 | 01/01/2026 | Annually | 28.15% | 28.07% | 28.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | WA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 450459.52 | 68.2 | No | 69.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6222.38 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 12.017% |  | 11.625% | 11.625% | $1774.72 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2962.27 | $4736.99 | $9806.64 | N/A | XXXX |  | $0.00 |  |  | 44.37% | 44.35% | 44.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 125876.45 | 26.6 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69279608 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $3254.53 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $7562.50 | $10817.03 | $21367.18 | N/A | XXXX |  | $0.00 |  |  | 44.74% | 44.74% | 44.74% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | USA Patriot Act | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Other | USA Patriot | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 388975.19 | 36 | No | 68.24 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13175 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 7.945% |  | 7.875% | 7.875% | $5046.48 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $5101.28 | $10147.76 | $42684.26 | N/A | XXXX |  | $0.00 |  |  | 32.94% | 32.94% | 32.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 109385.19 | 10.8 | 109385.19 | 10.8 | No | 66.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61541954 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $2312.26 | Yes | 35.000% | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4909.02 | $7221.28 | $7795.39 | N/A | XXXX |  | $0.00 |  |  | 2.16% | 8.40% | 8.40% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 2711.93 | 0.4 | No | 72.33 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69130218 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13594 | 11/03/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.512% |  | 9.250% | 9.250% | $6170.07 | No |  | XXXX | XXXX | $2906.04 | $242.17 | $5160.00 | $430.00 | $7771.36 | $17516.14 | $42429.27 | N/A | XXXX | CA | $430.00 |  | Monthly | 36.65% | 36.63% | 36.63% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 84 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Audited | CPA | 12 | NA | 0 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Asset Depletion - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2102764.33 | 120 | 2816737.45 | 160.8 | No | 61.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68376482 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7594 | 11/05/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.598% |  | 9.250% | 9.250% | $2879.36 | No |  | XXXX | XXXX | $2667.00 | $222.25 | $17617.32 | $1468.11 | $17113.00 | $23049.62 | $53213.38 | N/A | XXXX | AZ | $1468.11 | 01/01/2026 | Monthly | 33.66% | 33.61% | 33.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 65.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 110725.26 | 4.8 | 449432.23 | 19.5 | No | 79.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68043528 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | Client Affirms Non-QM Status | 11392.4 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 9.742% |  | 9.375% | 9.375% | $2162.55 | No |  | XXXX | XXXX | $0.00 | $0.00 | $1668.00 | $139.00 | $4024.00 | $6325.55 | $30765.77 | N/A | XXXX | CA | $139.00 | 01/01/2026 | Monthly | 22.70% | 22.71% | 22.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 242845.14 | 38.4 | No | 78.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66647736 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13276.25 | 10/10/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 8.776% |  | 8.500% | 8.500% | $5036.38 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $17144.72 | $22181.10 | $72550.40 | N/A | XXXX |  | $0.00 |  |  | 34.27% | 34.27% | 34.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 641999.08 | 28.9 | No | 72.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69122235 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.375% | 10.375% | $1251.73 | No |  | XXXX | XXXX | $5351.04 | $445.92 | $0.00 | $0.00 | $4010.71 | $5708.36 | $12421.98 | N/A | XXXX |  | $0.00 |  |  | 46.25% | 46.25% | 46.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 125838.64 | 22 | No | 74.72 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65991781 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9665.5 | 10/17/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 12.995% |  | 12.500% | 12.500% | $3735.40 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $6060.48 | $9795.88 | $21557.79 | N/A | XXXX |  | $0.00 |  |  | 41.36% | 41.46% | 41.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 316491.77 | 32.3 | No | 87.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63677631 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7045 | 10/24/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 10.692% |  | 10.500% | 10.500% | $2012.43 | No |  | XXXX | XXXX | $0.00 | $0.00 | $1272.00 | $106.00 | $3299.22 | $5417.65 | $24990.91 | N/A | XXXX | CA | $106.00 | 01/01/2026 | Monthly | 21.63% | 21.63% | 21.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 214645.23 | 39.6 | No | 79.98 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1690 | 10/08/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 9.191% |  | 8.990% | 8.990% | $1354.58 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3107.43 | $4462.01 | $7978.83 | N/A | XXXX |  | $0.00 |  |  | 41.06% | 40.82% | 40.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 165146.20 | 37 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60836618 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4020.05 | 10/24/2025 | 5.590% | Manual Underwriting | Manual Underwriting | No | 11.212% |  | 9.875% | 9.875% | $1288.30 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1036.69 | $2324.99 | $5653.63 | N/A | XXXX |  | $0.00 |  |  | 46.89% | 46.45% | 46.45% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 12 | Yes | Yes | 12 | 0 | 100.00% | 100.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SEPartnership, SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76577.44 | 32.9 | No | 42.8 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62354532 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6694 | 11/04/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.556% |  | 8.375% | 8.375% | $4674.44 | No |  | XXXX | XXXX | $5727.00 | $477.25 | $0.00 | $0.00 | $3488.79 | $9997.60 | $41779.70 | N/A | XXXX |  | $0.00 |  |  | 30.98% | 30.98% | 30.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 594545.34 | 59.5 | No | 64.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65164361 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.875% | 8.875% | $3063.23 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3601.64 | $6664.87 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 165570.76 | 24.8 | No | 61.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69718025 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $4573.69 | Yes | 35.000% | XXXX | XXXX | $6918.00 | $576.50 | $0.00 | $0.00 | $13138.57 | $18845.00 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.318 | 1.318 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 478784.88 | 25.4 | No | 74.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.875% | 8.875% | $2386.93 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4039.68 | $6426.61 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.153 | 1.153 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 295165.00 | 45.9 | No | 37.42 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $1235.12 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1834.04 | $3069.16 | $16158.15 | N/A | XXXX |  | $0.00 |  |  | 34.66% | 28.36% | 28.36% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 153642.04 | 50.1 | No | 79.89 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63322700 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7695.5 | 11/17/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 10.273% |  | 9.750% | 9.750% | $1701.13 | No |  | XXXX | XXXX | $1293.00 | $107.75 | $140.04 | $11.67 | $1521.00 | $3606.97 | $34902.61 | N/A | XXXX | MI | $11.67 | 01/01/2026 | Annually | 36.00% | 34.99% | 34.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63381687 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10993 | 10/28/2025 | 5.600% | Manual Underwriting | Manual Underwriting | No | 9.678% |  | 8.750% | 8.750% | $4386.44 | No |  | XXXX | XXXX | $8594.52 | $716.21 | $0.00 | $0.00 | $2875.01 | $10823.16 | $14395.01 | N/A | XXXX |  | $0.00 |  |  | 48.10% | 48.10% | 48.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 290155.72 | 26.8 | No | 50.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67597448 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $1505.22 | No |  | XXXX | XXXX | $2592.96 | $216.08 | $0.00 | $0.00 | $1341.97 | $3803.63 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.084 | 1.08 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 47344.04 | 12.5 | No | 52.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63204687 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 11.125% | 11.125% | $1067.58 | No |  | XXXX | XXXX | $294.00 | $24.50 | $6948.00 | $579.00 | $561.32 | $2487.12 |  | Yes | XXXX | FL | $579.00 | 01/01/2026 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.086 | 1.086 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 103528.02 | 41.6 | No | 66.45 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67057929 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6770.73 | 10/15/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 9.739% |  | 9.000% | 9.000% | $1219.00 | No |  | XXXX | XXXX | $4826.04 | $402.17 | $0.00 | $0.00 | $2382.46 | $4588.96 | $5032.11 | N/A | XXXX |  | $0.00 |  |  | 49.13% | 49.12% | 49.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SECorporation - Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | FL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 93559.32 | 20.4 | No | 80.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68980044 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10256.13 | 11/17/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 11.388% |  | 10.875% | 10.875% | $3182.25 | No |  | XXXX | XXXX | $2897.16 | $241.43 | $0.00 | $0.00 | $2823.69 | $7037.68 | $10875.32 | N/A | XXXX |  | $0.00 |  |  | 44.77% | 44.90% | 44.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 662 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 287067.52 | 40.8 | No | 74.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67670289 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6130.63 | 11/10/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.907% |  | 8.375% | 8.375% | $1288.32 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3622.79 | $4911.11 | $13005.65 | N/A | XXXX |  | $0.00 |  |  | 41.00% | 37.51% | 37.51% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 160194.45 | 32.6 | No | 69.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68499783 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/06/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.469% |  | 9.125% | 9.125% | $4149.53 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3242.32 | $7391.85 | $26090.29 | N/A | XXXX |  | $0.00 |  |  | 34.29% | 34.23% | 34.23% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Audited | 12 | Tax Preparer | Audited | Tax Preparer | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 503561.19 | 68.1 | No | 54.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69070672 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $2386.93 | Yes | 35.000% | XXXX | XXXX | $3989.04 | $332.42 | $0.00 | $0.00 | $19790.48 | $23649.42 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.421 | 1.421 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 280953.29 | 11.9 | No | 63.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63122499 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8940 | 11/07/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 11.591% |  | 11.250% | 11.250% | $2204.76 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2812.00 | $5016.76 | $21595.49 | N/A | XXXX |  | $0.00 |  |  | 28.91% | 26.40% | 26.40% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 60.00% | 40.00% |  | Audited | 24 | CPA | Audited | CPA | 24 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SEPartnership - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 220147.15 | 43.9 | No | 79.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63952842 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 12.625% | 12.625% | $1378.52 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $2422.24 | $3800.76 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.158 | 1.015 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 122180.20 | 32.8 | No | 64.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $667.18 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3037.06 | $3704.24 | $9320.65 | N/A | XXXX |  | $0.00 |  |  | 42.87% | 42.72% | 42.72% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 75041.47 | 20.3 | No | 79.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11020 | 11/20/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 10.035% |  | 9.990% | 9.990% | $4384.16 | No |  | XXXX | XXXX | $0.00 | $0.00 | $1308.00 | $109.00 | $9583.09 | $14076.25 | $25383.00 | N/A | XXXX | CA | $109.00 | 01/01/2026 | Monthly | 41.21% | 41.21% | 41.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 259567.69 | 18.4 | No | 72.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69806853 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 21094 | 11/18/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.091% |  | 8.750% | 8.750% | $5900.25 | No |  | XXXX | XXXX | $13030.32 | $1085.86 | $2580.00 | $215.00 | $5578.60 | $14742.77 | $47153.23 | N/A | XXXX | CA | $215.00 | 01/01/2026 | Monthly | 37.75% | 37.77% | 37.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 36.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65242242 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14190 | 11/06/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.403% |  | 9.125% | 9.125% | $4963.16 | No |  | XXXX | XXXX | $2810.04 | $234.17 | $0.00 | $0.00 | $2746.19 | $9128.30 | $55620.91 | N/A | XXXX |  | $0.00 |  |  | 30.75% | 30.71% | 30.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.88% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 412753.64 | 45.2 | No | 74.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69655023 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1191.82 | No |  | XXXX | XXXX | $1812.48 | $151.04 | $0.00 | $0.00 | $1599.35 | $3945.02 | $5065.79 | N/A | XXXX |  | $0.00 |  |  | 45.60% | 45.80% | 45.80% | Yes | Yes |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 YR 1099 | 1 YR 1099 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 1 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 27504.58 | 7 | No | 66.6 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66133730 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $5967.34 | No |  | XXXX | XXXX | $1767.96 | $147.33 | $0.00 | $0.00 | $3320.05 | $11510.04 | $258073.85 | N/A | XXXX |  | $0.00 |  |  | 12.46% | 12.36% | 12.36% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 91.40% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 291227.22 | 27.9 | No | 68.05 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66032544 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $3119.06 | No |  | XXXX | XXXX | $7160.04 | $596.67 | $0.00 | $0.00 | $2334.65 | $7462.76 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.261 | 1.243 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 357897.54 | 53 | No | 35.01 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62656834 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18146.48 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 9.757% |  | 9.375% | 9.375% | $5187.54 | No |  | XXXX | XXXX | $2437.44 | $203.12 | $0.00 | $0.00 | $2674.89 | $8905.88 | $74203.75 | N/A | XXXX |  | $0.00 |  |  | 49.33% | 32.84% | 32.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 137421.07 | 15.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65494564 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 20120 | 11/14/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.656% |  | 8.625% | 8.625% | $6611.21 | No |  | XXXX | XXXX | $5312.04 | $442.67 | $0.00 | $0.00 | $2103.51 | $9997.23 | $18523.24 | N/A | XXXX |  | $0.00 |  |  | 41.20% | 41.42% | 41.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31645.12 | 3.2 | No | 39.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61471690 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8936 | 11/21/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 11.164% |  | 10.500% | 10.500% | $2012.43 | No |  | XXXX | XXXX | $5437.80 | $453.15 | $0.00 | $0.00 | $5749.00 | $9204.17 | $14603.83 | N/A | XXXX |  | $0.00 |  |  | 39.63% | 39.58% | 39.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49760.76 | 5.4 | No | 48.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65854119 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15915 | 11/18/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 10.366% |  | 10.000% | 10.000% | $6546.68 | No |  | XXXX | XXXX | $2136.48 | $178.04 | $0.00 | $0.00 | $2254.70 | $9999.56 | $37318.86 | N/A | XXXX |  | $0.00 |  |  | 23.86% | 24.52% | 24.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 334431.61 | 33.4 | No | 59.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62833451 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9302.36 | 10/21/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 9.866% |  | 9.625% | 9.625% | $3671.95 | No |  | XXXX | XXXX | $3306.00 | $275.50 | $0.00 | $0.00 | $3062.88 | $7768.67 | $26949.52 | N/A | XXXX |  | $0.00 |  |  | 37.31% | 41.37% | 41.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 147501.64 | 19 | No | 74.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68410092 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6146.79 | 11/06/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 11.421% |  | 10.750% | 10.750% | $1367.55 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $4900.90 | $6268.45 | $35741.63 | N/A | XXXX |  | $0.00 |  |  | 37.02% | 36.62% | 36.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 134042.08 | 21.4 | No | 84.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62789630 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $1989.11 | Yes | 35.000% | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $22237.81 | $24226.92 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.354 | 1.3 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 230491.88 | 9.5 | No | 65.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66735348 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1690 | 10/23/2025 | 6.240% | Manual Underwriting | Manual Underwriting | No | 10.935% |  | 10.750% | 10.750% | $1675.60 | No |  | XXXX | XXXX | $0.00 | $0.00 | $326.04 | $27.17 | $3388.62 | $5091.39 | $8764.06 | N/A | XXXX | IL | $27.17 | 01/01/2026 | Annually | 42.59% | 42.59% | 42.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | IL | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1226.99 | 0.2 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 66942677 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7510 | 11/20/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 12.464% |  | 11.625% | 11.625% | $1939.69 | No |  | XXXX | XXXX | $6158.04 | $513.17 | $0.00 | $0.00 | $9540.88 | $12850.16 | $44440.77 | N/A | XXXX |  | $0.00 |  |  | 34.74% | 34.74% | 34.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 181493.52 | 14.1 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 61920544 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5819 | 11/13/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 12.518% |  | 11.875% | 11.875% | $1638.55 | No |  | XXXX | XXXX | $1808.04 | $150.67 | $480.00 | $40.00 | $1313.35 | $3312.34 | $29588.46 | N/A | XXXX | AZ | $40.00 | 02/01/2026 | Monthly | 37.70% | 37.79% | 37.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152495.89 | 46 | No | 74.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68264434 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9245 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.319% |  | 8.875% | 8.875% | $1591.29 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $5066.91 | $6658.20 | $18552.55 | N/A | XXXX |  | $0.00 |  |  | 27.84% | 27.84% | 27.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 191141.77 | 28.7 | No | 73.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63791333 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/25/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.596% |  | 8.375% | 8.375% | $2660.25 | No |  | XXXX | XXXX | $6325.56 | $527.13 | $0.00 | $0.00 | $3234.00 | $7877.06 | $14904.68 | N/A | XXXX |  | $0.00 |  |  | 40.11% | 41.07% | 41.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 35 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | N/A | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 334214.48 | 42.4 | No | 39.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 63909342 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.750% | 10.750% | $2038.36 | No |  | XXXX | XXXX | $1358.04 | $113.17 | $0.00 | $0.00 | $3670.00 | $6554.19 | $21058.07 | N/A | XXXX |  | $0.00 |  |  | 41.39% | 41.72% | 41.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 115353.43 | 17.6 | No | 64.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 67034276 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status | 7568 | 12/05/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.036% |  | 8.750% | 8.750% | $2973.73 | No |  | XXXX | XXXX | $1491.00 | $124.25 | $0.00 | $0.00 | $3706.62 | $7535.64 | $81678.81 | N/A | XXXX |  | $0.00 |  |  | 44.36% | 45.19% | 45.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 78.59% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60602070 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.990% | 9.990% | $881.22 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $1246.03 | $2127.25 |  | N/A | XXXX | GA | $0.00 | 02/01/2026 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.058 | 1.058 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 51908.25 | 24.4 | No | 74.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 65633634 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $2360.10 | No |  | XXXX | XXXX | $0.00 | $0.00 | $0.00 | $0.00 | $3371.01 | $5731.11 | $28531.55 | N/A | XXXX |  | $0.00 |  |  | 44.96% | 47.44% | 47.44% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, 1120S, K1), 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, 1120S, K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 284663.52 | 49.7 | No | 74.3 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5870 | 11/26/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 9.239% |  | 8.875% | 8.875% | $1989.11 | No |  | XXXX | XXXX | $7206.12 | $600.51 | $0.00 | $0.00 | $1235.57 | $4549.32 | $121854.13 | N/A | XXXX |  | $0.00 |  |  | 6.26% | 6.26% | 6.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 243108.79 | 53.4 | No | 44.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68048507 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $1264.26 | No |  | XXXX | XXXX | $2439.00 | $203.25 | $0.00 | $0.00 | $1159.67 | $3114.38 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.036 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | NJ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 142539.03 | 45.8 | No | 74.11 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 68856007 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 12/17/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 11.230% |  | 10.625% | 10.625% | $890.83 | No |  | XXXX | XXXX | $1200.84 | $100.07 | $0.00 | $0.00 | $1109.67 | $2245.86 | $29170.83 | N/A | XXXX |  | $0.00 |  |  | 21.21% | 23.27% | 23.27% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AZ | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 11187.58 | 5 | No | 79.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60746329 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2344 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.598% |  | 8.500% | 8.500% | $5766.85 | No |  | XXXX | XXXX | $9999.48 | $833.29 | $0.00 | $0.00 | $22810.92 | $32643.92 | $102445.68 | N/A | XXXX |  | $0.00 |  |  | 24.18% | 24.18% | 24.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 30.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 431635.58 | 13.2 | 1175356.33 | 36 | No | 46.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 69627201 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | Yes | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $2980.41 | No |  | XXXX | XXXX | $2141.04 | $178.42 | $0.00 | $0.00 | $4662.00 | $8691.89 | $44284.68 | N/A | XXXX |  | $0.00 |  |  | 48.33% | 48.33% | 48.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | CA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 341048.53 | 39.2 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 62020901 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.250% | 10.250% | $1030.52 | No |  | XXXX | XXXX | $2531.04 | $210.92 | $0.00 | $0.00 | $1409.15 | $3759.49 |  | N/A | XXXX |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.968 | 1.969 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | NY | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 103640.76 | 27.6 | No | 60.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |
| 60660010 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3471.97 | 12/03/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 11.653% |  | 10.990% | 10.990% | $793.61 | No |  | XXXX | XXXX | $3189.96 | $265.83 | $0.00 | $0.00 | $1031.00 | $2258.53 | $3051.47 | N/A | XXXX |  | $0.00 |  |  | 44.64% | 44.64% | 44.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | GA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | GA | United States of America (USA) | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 41551.02 | 18.4 | No | 79.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 64743290 | XXXX | XXXX | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 64743290 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 62558732 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Number of Borrowers | businessPurposePage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Borrower 2 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60200523 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Origination TransUnion | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Origination Equifax | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Borrower 1 Origination Experian | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 67783550 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 65375553 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Loan Purpose | the1003Page | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 60913461 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | B1 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 61500190 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 69553681 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Occupancy | the1003Page | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61944624 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Number of Borrowers | businessPurposePage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | B2 Verified Citizenship Designation | fraudReportPage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 63660274 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60877875 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61230513 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 65152835 | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 65152835 | XXXX | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | XXXX |
| 65152835 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 65152835 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
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| 66138953 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 66138953 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Qualifying LTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 62843450 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Number of Borrowers | businessPurposePage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 67913639 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 63952652 | XXXX | XXXX | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| 63952652 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 63952652 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 63952652 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61930572 | XXXX | XXXX | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| 61930572 | XXXX | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61930572 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 61406992 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 69279608 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 61635753 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 68043528 | XXXX | XXXX | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| 68043528 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 68043528 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 66647736 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 69122235 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 65991781 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 63677631 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 65088634 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 60836618 | XXXX | XXXX | XXXX | Loan ID | manual | XXXX | XXXX | XXXX |
| 60836618 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 60836618 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 65164361 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 65164361 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 65164361 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 69718025 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Prepayment Penalty Calculation | notePage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 61908525 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62655631 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 63204687 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 67057929 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 67057929 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 67670289 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 67670289 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 68499783 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 68499783 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 68499783 | XXXX | XXXX | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| 69070672 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 69070672 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 63122499 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 63952842 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 63952842 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 69627584 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | All Borrower Total Income | the1003Page | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Mortgage Origination Channel | the1003Page | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Borrower 1 Executed 4506T Verified | employmentIncomePage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Borrower 1 Income Verification Level | employmentIncomePage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Liquid Funds Post-Close | assetPage | XXXX | XXXX | XXXX |
| 69538527 | XXXX | XXXX | XXXX | Reviewed Total Monthly Liabilities | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 65242242 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 69655023 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 69655023 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 69655023 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 69655023 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 66032544 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 66032544 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 62656834 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 65494564 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 61471690 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 65854119 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 62833451 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 68410092 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 68410092 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 68410092 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62789630 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 66735348 | XXXX | XXXX | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | XXXX |
| 66735348 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 66735348 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 66942677 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 61920544 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 68264434 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 63909342 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 60602070 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 60602070 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 65633634 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Lien Position | TitlePage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Originator QM Status | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Final Qualifying Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 64886781 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 68048507 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 68048507 | XXXX | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 68856007 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 68856007 | XXXX | XXXX | XXXX | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 68856007 | XXXX | XXXX | XXXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 68856007 | XXXX | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 62020901 | XXXX | XXXX | XXXX | Balance of Other Lien | titlePage | XXXX | XXXX | XXXX |
| 62020901 | XXXX | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| 60660010 | XXXX | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7**

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Vista Point Mortgage, LLC (the "Client"). The Review took place from September 2025 – December 2025 on Loans with origination dates in September 2025 – December 2025 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 149 Loans totaling an original principal balance of approximately $34,611,434.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 120 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

**Determination of the sample size and computation.**

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (130 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Actual in Place Rent From Lease | &nbsp;&nbsp;B2BirthDate | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;OriginatorDocType |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;OriginatorDSCR |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;OriginatorQMStatus |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;OtherLienLoanId |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;B2PhoneNumber | &nbsp;&nbsp;PrepaymentPenalty |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;PrepaymentPenaltyFlag |
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;PrepaymentPenaltyType |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;PropertyAddress |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PropertyCity |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;CUScore | &nbsp;&nbsp;PropertyRights |
| &nbsp;&nbsp;B1Employer1Position | &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;B1Employer1YearsinLineofWork | &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;PropertyTaxAmount |
| &nbsp;&nbsp;B1EthnicityCuban | &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1EthnicityHispanicorLatino | &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1EthnicityMexican | &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;ProposedFirstMortgagePI |
| &nbsp;&nbsp;B1EthnicityOtherHispanicorLatino | &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;ProposedHazardInsurance |
| &nbsp;&nbsp;B1EthnicityPuertoRican | &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;ProposedHOA |
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;ProposedHousingExpense |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;ProposedMortgageInsurance |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;ProposedOther |
| &nbsp;&nbsp;B1Haveyouhadownershipinpropertyinlast3years | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;ProposedOtherFinancingPI |
| &nbsp;&nbsp;B1Howwastitleheld | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;ProposedRealEstateTaxes |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;PUDRider |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;QualifyingCLTV |
| &nbsp;&nbsp;B1NameofEmployer1 | &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;LoanType | &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA |
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;RefinanceType |
| &nbsp;&nbsp;B1RaceWhite | &nbsp;&nbsp;MINNo | &nbsp;&nbsp;Signor1FullName |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;NegativeAmortizationFlag | &nbsp;&nbsp;ULI |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;UnderwritingGuidelineLenderName |
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;NoteType | &nbsp;&nbsp;UnderwritingGuidelineName |
| &nbsp;&nbsp;B1SexMale | &nbsp;&nbsp;NumberofBorrowers | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;NumberofMortgagedProperties | &nbsp;&nbsp;UnderwritingGuidelineVersionDate |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;VestedBusinessEntityName |
| &nbsp;&nbsp;B1YearsinCurrentHome |  |  |

---

**Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.**

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (120 Loans)** 

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file was also performed.

**Credit Application:** For the Credit Application, TSG verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower's employment history.

**Credit Report:** TSG's review included confirming that a credit report that met guideline requirements was present for each borrower and that such borrower's credit profile adhered to the guidelines. In order to make this determination, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as required by guidelines, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

**Employment and Income:** TSG determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file and where possible, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) Bank Statements.

**Asset Review:** TSG assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, TSG completed a review of large deposits and completed the reserve calculation. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit ("VOD(s)"), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

**Occupancy Review:** TSG confirmed the property occupancy is consistent with the mortgage loan approval and borrowers' application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

**Guideline Review:** As part of the review, TSG verified the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

**Fraud Review:** TSG reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower's address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower's profile. If any findings were noted, TSG confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

**Title Review:** TSG's review included a review of the chain of title and the time duration of ownership by the seller or borrower (whichever is applicable) satisfied the guidelines. Included in this review was a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

**Additional Review of Mortgage Loan File:** TSG reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats or other applicable approved formats at the time of origination.

TSG also verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio ("DTI(s)") and/or loan-to-value ratios ("LTV(s)") were used in the assessment of conformity guidelines (if required by loan product guidelines).

Documents reviewed include the following items (\* = where applicable):

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

**Value of collateral securing the assets: review and methodology.**

TSG's review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Additional facets of TSG's review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal and the policies and procedures with regard to appraisal were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

**Residential Population (120 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While TSG continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged TSG to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by TSG are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed
APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review relevant documentation to determine if compensation to a Loan Originator was based on a
term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) Note: Where available, TSG reviewed the relevant documents in the mortgage loan file and, as necessary,
attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage
loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures,
TSG's review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any.
These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations
in the mortgage loan purchase agreement between the Client and seller correspondent.

&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage
loan to a first time homebuyer that contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure
to resolve any controversy or settle any claims arising out of the transaction.

&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;j) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review for presence of mortgage loan originator organization and individual mortgage loan originator
name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate
and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

**(II) Federal Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of a settlement service provider list, as applicable.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7) *as applicable for loans with application dates prior to October 3, 2015*:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes
were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

&nbsp;&nbsp;&nbsp;&nbsp;d) <u>Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed; and

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30
days prior to when the list was provided to the mortgage loan applicant.

**(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained
the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) identify tolerance violations based on the charges disclosed on the initial and interim LE's,
initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Your Home Loan Toolkit (§1026.19):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan
file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

**(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

&nbsp;&nbsp;&nbsp;&nbsp;c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined
by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38
C.F.R. Part 36 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

TSG reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan's originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

**Qualified Mortgage** 

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

**General Ability to Repay** 

TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator's determination of the ability to repay.

TSG reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities ("Authorities"). TSG does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG to review, and only reflects information as of that point in time.

**(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:**

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(VI) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;**

**(VII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to "high-cost" mortgage loans, "covered" mortgage loans, "higher-priced" mortgage loans, "home" mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;**

**(VIII) Federal and state specific late charge and prepayment penalty provisions.**

**(IX) Recording Review** 

TSG noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time TSG reviewed the mortgage loans and thus have not yet been recorded. TSG verified that documents in the mortgage loan file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(X) FIRREA Review** 

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

**(XI) Document Review** 

TSG reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial application (1003);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Underwriting summary / loan approval (1008);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T and/or 4506C as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Sales contract;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Hazard and/or flood insurance policies;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Copy of note for any junior liens;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Right of Rescission Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage/Deed of Trust;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ FACTA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Notice of Special Flood Hazards;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial and final GFE's;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ HUD from sale of previous residence;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Certain other disclosures related to the enumerated tests
set forth herein.

**Item 5. Summary of findings and conclusions of review** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY** 

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 127 | 85.23% |
| B | 22 | 14.77% |
| **Total** | **149** | **100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

148 Loans (99.33%) received an "A" compliance grade, and 1 Loan (.67%) received a compliance grade of "B" The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 148 | 99.33% |
| B | 1 | 0.67% |
| **Total** | **149** | **100.0%** |

---

**CREDIT RESULTS SUMMARY** 

Within the securitization population, 100% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 129 | 86.58% |
| B | 20 | 13.42% |
| **Total** | **149** | **100.0%** |

---

**PROPERTY RESULTS SUMMARY**

Within the securitization population, 46.31% of the Loans possessed an "A" or "B" grade. The remaining 53.69%, 80 loans, possessed a grade of N/A as allowed for second lien loans where there is a primary valuation in file but without a secondary valuation product.

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 68 | 45.64% |
| B | 1 | 0.67% |
| N/A | 80 | 53.69% |
| **Total** | **149** | **100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 130 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total <br> Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Actual in Place Rent From Lease | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;AllBorrowerIncomefromEmploymentTotal | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;2 | &nbsp;&nbsp;140 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;36 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;13 | &nbsp;&nbsp;48 | &nbsp;&nbsp;27.08% |
| &nbsp;&nbsp;B1AnyOutstandingJudgments | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Anypartofdownpaymentborrowed | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Bankruptcyinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1CountryName | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1Doyouintendtooccupypropertyasprimaryresidence | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1Employer1Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Employer1YearsinLineofWork | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityCuban | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityHispanicorLatino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EthnicityMexican | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityOtherHispanicorLatino | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityPuertoRican | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1EthnicityVisualObservationorSurname | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;11 | &nbsp;&nbsp;146 | &nbsp;&nbsp;7.53% |
| &nbsp;&nbsp;B1Foreclosureinpast7years | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Haveyouhadownershipinpropertyinlast3years | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1Howwastitleheld | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;4 | &nbsp;&nbsp;148 | &nbsp;&nbsp;2.7% |
| &nbsp;&nbsp;B1MaritalStatus | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1MiddleName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1NameofEmployer1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;8 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;B1RaceIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1RaceWhite | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1RentorOwn | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SelfEmploymentFlag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexFemale | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexIdonotwishtoprovidethisinformation | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SexMale | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;1 | &nbsp;&nbsp;47 | &nbsp;&nbsp;2.13% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1YearsinCurrentHome | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2BirthDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;B2OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2PhoneNumber | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;4 | &nbsp;&nbsp;47 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CashOutMeetsGuidelineRequirements | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ClosingSettlementDate | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;96 | &nbsp;&nbsp;125 | &nbsp;&nbsp;76.8% |
| &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;CUScore | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;11 | &nbsp;&nbsp;57 | &nbsp;&nbsp;19.3% |
| &nbsp;&nbsp;EffectiveDateTitleCommitment | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;EscrowIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FHAStreamlineVAIRRLIndicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;FinalReviewedQMStatus | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InitialOriginatorSignatureDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;47 | &nbsp;&nbsp;4.26% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;3 | &nbsp;&nbsp;149 | &nbsp;&nbsp;2.01% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;48 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;34 | &nbsp;&nbsp;129 | &nbsp;&nbsp;26.36% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;33 | &nbsp;&nbsp;147 | &nbsp;&nbsp;22.45% |
| &nbsp;&nbsp;LoanOriginationCompany | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;LoanOriginationCompanyNMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanOriginatorName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;11.76% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;21 | &nbsp;&nbsp;148 | &nbsp;&nbsp;14.19% |
| &nbsp;&nbsp;LoanType | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;2 | &nbsp;&nbsp;44 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp;MonthlyPropertyTaxAmount | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;NegativeAmortizationFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NoteType | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofBorrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;NumberofMortgagedProperties | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;48 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;38 | &nbsp;&nbsp;136 | &nbsp;&nbsp;27.94% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;12 | &nbsp;&nbsp;17 | &nbsp;&nbsp;70.59% |
| &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;14 | &nbsp;&nbsp;56 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;OtherLienLoanId | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;5 | &nbsp;&nbsp;56 | &nbsp;&nbsp;8.93% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;37 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;8 | &nbsp;&nbsp;148 | &nbsp;&nbsp;5.41% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;1 | &nbsp;&nbsp;148 | &nbsp;&nbsp;0.68% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;0 | &nbsp;&nbsp;46 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyRights | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;0 | &nbsp;&nbsp;148 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyTaxAmount | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;67 | &nbsp;&nbsp;144 | &nbsp;&nbsp;46.53% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;3 | &nbsp;&nbsp;148 | &nbsp;&nbsp;2.03% |
| &nbsp;&nbsp;ProposedFirstMortgagePI | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ProposedHazardInsurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHOA | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedHousingExpense | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ProposedMortgageInsurance | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOther | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedOtherFinancingPI | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ProposedRealEstateTaxes | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;PUDRider | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QMQualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;20 | &nbsp;&nbsp;85% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;119 | &nbsp;&nbsp;5.04% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;59 | &nbsp;&nbsp;28.81% |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;QualifyingTotalHousingExpensePITIA | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;3 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;Signor1FullName | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;32 | &nbsp;&nbsp;44 | &nbsp;&nbsp;72.73% |
| &nbsp;&nbsp;UnderwritingGuidelineLenderName | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;52 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;3 | &nbsp;&nbsp;5 | &nbsp;&nbsp;60% |
| &nbsp;&nbsp;VestedBusinessEntityName | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;149.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$34611434.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**149.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$34611434.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;120.0 | &nbsp;&nbsp;80.54% | &nbsp;&nbsp;$29611740.00 | &nbsp;&nbsp;85.55% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;29.0 | &nbsp;&nbsp;19.46% | &nbsp;&nbsp;$4999694.00 | &nbsp;&nbsp;14.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**149.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$34611434.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;89.0 | &nbsp;&nbsp;59.73% | &nbsp;&nbsp;$20288774.00 | &nbsp;&nbsp;58.62% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;$568335.00 | &nbsp;&nbsp;1.64% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;8.0 | &nbsp;&nbsp;5.37% | &nbsp;&nbsp;$1057013.00 | &nbsp;&nbsp;3.05% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;37.0 | &nbsp;&nbsp;24.83% | &nbsp;&nbsp;$10554742.00 | &nbsp;&nbsp;30.49% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;9.0 | &nbsp;&nbsp;6.04% | &nbsp;&nbsp;$2142570.00 | &nbsp;&nbsp;6.19% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**149.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$34611434.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;149.0 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$34611434.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**149.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$34611434.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;TX | &nbsp;&nbsp;6.0 | &nbsp;&nbsp;4.03% | &nbsp;&nbsp;$758136.00 | &nbsp;&nbsp;2.19% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;12.0 | &nbsp;&nbsp;8.05% | &nbsp;&nbsp;$3120843.00 | &nbsp;&nbsp;9.02% |
| &nbsp;&nbsp;NV | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$332000.00 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;WA | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$497000.00 | &nbsp;&nbsp;1.44% |
| &nbsp;&nbsp;NY | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$100000.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;SC | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$155000.00 | &nbsp;&nbsp;0.45% |
| &nbsp;&nbsp;WI | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$290000.00 | &nbsp;&nbsp;0.84% |
| &nbsp;&nbsp;MA | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$1109000.00 | &nbsp;&nbsp;3.2% |
| &nbsp;&nbsp;MD | &nbsp;&nbsp;9.0 | &nbsp;&nbsp;6.04% | &nbsp;&nbsp;$1007091.00 | &nbsp;&nbsp;2.91% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;2.01% | &nbsp;&nbsp;$328460.00 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;MI | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$84000.00 | &nbsp;&nbsp;0.24% |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;61.0 | &nbsp;&nbsp;40.94% | &nbsp;&nbsp;$19064919.00 | &nbsp;&nbsp;55.08% |
| &nbsp;&nbsp;UT | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$205000.00 | &nbsp;&nbsp;0.59% |
| &nbsp;&nbsp;IL | &nbsp;&nbsp;4.0 | &nbsp;&nbsp;2.68% | &nbsp;&nbsp;$415563.00 | &nbsp;&nbsp;1.2% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$75000.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;IN | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$720500.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;KS | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$106500.00 | &nbsp;&nbsp;0.31% |
| &nbsp;&nbsp;VA | &nbsp;&nbsp;7.0 | &nbsp;&nbsp;4.7% | &nbsp;&nbsp;$899300.00 | &nbsp;&nbsp;2.6% |
| &nbsp;&nbsp;CO | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$942000.00 | &nbsp;&nbsp;2.72% |
| &nbsp;&nbsp;PA | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;2.01% | &nbsp;&nbsp;$609950.00 | &nbsp;&nbsp;1.76% |
| &nbsp;&nbsp;CT | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$172000.00 | &nbsp;&nbsp;0.5% |
| &nbsp;&nbsp;LA | &nbsp;&nbsp;1.0 | &nbsp;&nbsp;0.67% | &nbsp;&nbsp;$91000.00 | &nbsp;&nbsp;0.26% |
| &nbsp;&nbsp;NC | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$552500.00 | &nbsp;&nbsp;1.6% |
| &nbsp;&nbsp;AZ | &nbsp;&nbsp;2.0 | &nbsp;&nbsp;1.34% | &nbsp;&nbsp;$174900.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;TN | &nbsp;&nbsp;3.0 | &nbsp;&nbsp;2.01% | &nbsp;&nbsp;$460751.00 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;9.0 | &nbsp;&nbsp;6.04% | &nbsp;&nbsp;$2340021.00 | &nbsp;&nbsp;6.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**149.0** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$34611434.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| REDACTED |  | 71031229 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2802.33 | 12.742 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72099373 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 16182.5 | 8.393 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79698702 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 72735251 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4205 | 10.745 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 70643655 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 12840 | 9.947 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75184418 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7468 | 11.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70621916 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10645.25 | 9.792 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 73067787 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | Yes | Present |
| REDACTED |  | 77748085 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 658 | 9.156 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70785718 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6805 | 10.874 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79846109 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1766 | 9.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 76330005 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3750 | 11.184 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79837714 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1270 | 8.323 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 77414634 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 4308.07 | 11.734 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 70839826 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 9257 | 10.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70831348 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | No | Yes | No | No | No | No | No | No | No | No | 3240 | 12.3 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79216054 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 7648.21 | 10.254 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71464262 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 3344 | 11.939 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74554265 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 20795 | 10.03 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71359136 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | Yes | N/A |
| REDACTED |  | 79225441 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 77032013 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5699.35 | 10.128 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 74823396 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3009.69 | 10.714 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78658448 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1215 | 10.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 74952517 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 4773.75 | 8.52 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 75105710 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1682.5 | 10.088 | Yes | Yes | N/A | N/A | Yes | Yes | N/A | Yes | No | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79916897 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3734 | 10.458 | Yes | Yes | N/A | Yes | Yes | No | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77209510 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5453 | 11.69 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72785111 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 2852.5 | 11.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73053102 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3605 | 8.105 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77890199 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2071.3 | 8.256 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76621590 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8704.6 | 11.537 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79222211 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 75751902 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 9310 | 9.713 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73539739 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3400 | 9.14 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 74053669 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 8690 | 9.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79001879 | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | Yes |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 2317.14 | 12.613 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79408069 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1898 | 8.3 | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| REDACTED |  | 74111905 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2261 | 12.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78722465 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 4897 | 12.922 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 76694829 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1211 | 8.552 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79632122 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 77205598 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 9795 | 10.119 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77082066 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 72101366 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 12755 | 8.921 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 74028388 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1430 | 9.158 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 77826370 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3484 | 8.443 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77824091 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1673.62 | 8.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72764168 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 4720 | 8.769 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 75658029 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 6720 | 7.925 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75243537 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2145 | 8.629 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75639641 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 8.756 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74008279 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1895 | 12.759 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 79499559 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3078 | 9.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 72073116 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 73557589 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2938.71 | 12.783 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70256509 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 75184710 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 8.181 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71241195 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 71872717 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1050 | 8.213 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70030443 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3670 | 8.458 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73260690 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 6690 | 8.544 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77859060 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 5127.5 | 8.879 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70130169 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 6250 | 9.756 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72911133 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 72125562 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 4000 | 8.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12509.1 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78919076 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 1782.5 | 10.21 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 79516113 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 1595 | 10.388 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 74806794 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3297.5 | 8.05 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78365126 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 74382352 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 6075 | 9.203 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 76025642 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 73735561 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7495 | 9.615 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 26536.03 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70813544 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 76410902 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1878.2 | 9.071 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74011452 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 1690 | 9.935 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7400.45 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71874424 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7435.42 | 9.645 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 76756771 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 795 | 8.308 | N/A | Yes | N/A | Yes | Yes | N/A | Yes | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | 72944792 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3800 | 8.6 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 73826024 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5295 | 8.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79669631 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74677393 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3040 | 10.081 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7345.81 | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 72258315 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5099.17 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 77886684 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 495 | 9.828 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71944275 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2172.5 | 8.948 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78945914 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 11155.48 | 9.679 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79787880 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | Yes | No | No | No | 5235 | 12.294 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Unknown |  | No |  | No |  |
| REDACTED |  | 76895059 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 7201.5 | 11.348 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79444147 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1909 | 8.805 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Retired | No | No | No |  |
| REDACTED |  | 77524350 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 9545 | 8.906 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71448116 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed |  | No |  | Yes | N/A |
| REDACTED |  | 70567970 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 4395 | 9.365 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79798348 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7800 | 8.74 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 75783824 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 6137.2 | 9.467 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12131.5 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 79157163 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1590 | 8.751 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73480053 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 2206 | 11.11 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71120403 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1632.5 | 12.897 | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76177658 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 8638.75 | 10.364 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75995847 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 9775 | 9.762 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79961122 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 8.875 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77159566 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 4044.15 | 11.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78528544 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 70597183 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3785 | 8.816 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 47945.94 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71484415 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 4920 | 9.056 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 70912091 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 11490 | 9.453 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 76354690 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2120 | 8.903 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7815.36 | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71955747 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 7250 | 9.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78454814 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2840 | 8.947 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72468358 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3640 | 10.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78507212 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 495 | 10.824 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79083410 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3586.25 | 9.813 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77841090 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | Yes | N/A | Yes | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Missing |
| REDACTED |  | 75720603 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 8.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75566452 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3345 | 10.815 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73399774 | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | Yes |  | No | Yes | Yes | No | No | No | No | No | No | No | No | 3018 | 9.967 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75383241 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 5890 | 9.138 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73694909 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 11795 | 9.502 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6399.05 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76149874 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 5797.1 | 10.508 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 77854407 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 4231 | 9.2 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77392137 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 74138850 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3293.75 | 8.683 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 71739954 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3750 | 8.569 | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | 78580544 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10720 | 9.597 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 73214175 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3495 | 9.72 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76047906 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 77736912 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1934 | 8.399 | Yes | N/A | N/A | N/A | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 78998269 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 70281256 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 1888 | 10.622 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78099991 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 17155 | 10.049 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 78037908 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4626.38 | 10.621 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10404.16 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 74243446 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | Yes | N/A |
| REDACTED |  | 74722386 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 2180 | 10.786 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72077813 | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | 78515459 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3100 | 8.089 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4286.86 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 75533668 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | 79048000 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1900 | 8.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | 76223204 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 10670 | 8.033 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 72311424 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | Yes | 232440.65 | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71697976 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71449019 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 79959102 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1690 | 9.403 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | 70452938 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2090 | 8.284 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 79840025 | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | 71297585 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 0 | 10.127 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 71590691 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1730 | 8.172 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | 70934919 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3000 | 9.186 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 76044339 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 15870 | 8.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30605.27 | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 78777061 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3285 | 8.666 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | 77331232 | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1413.55 | 8.267 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 2**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | 71031229 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 71031229 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71031229 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 71031229 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 72099373 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 72099373 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 72099373 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72099373 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72099373 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79698702 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 79698702 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79698702 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79698702 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79698702 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79698702 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79698702 | REDACTED | Vested Business Entity Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 79698702 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72735251 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 72735251 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 72735251 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70643655 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70643655 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROMTHE 1003 |
| REDACTED |  | 70643655 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70643655 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70643655 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 75184418 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75184418 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | 75184418 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70621916 | REDACTED | Borrower 1 Total Income | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70621916 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70621916 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 70621916 | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED | from the deed |
| REDACTED |  | 70621916 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | from the final cd |
| REDACTED |  | 70621916 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70621916 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | na |
| REDACTED |  | 73067787 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 73067787 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77748085 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77748085 | REDACTED | Credit QM/ATR Designation | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 77748085 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77748085 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 70785718 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | 70785718 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79846109 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79846109 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79846109 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79846109 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | same |
| REDACTED |  | 79846109 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 79846109 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76330005 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 76330005 | REDACTED | Property Address | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 76330005 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 76330005 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79837714 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 79837714 | REDACTED | Borrower 2 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79837714 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79837714 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79837714 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77414634 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 77414634 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70839826 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70839826 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70839826 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70839826 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70839826 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70831348 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | 70831348 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79216054 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79216054 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79216054 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79216054 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79216054 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79216054 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71464262 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71464262 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71464262 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 74554265 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | 74554265 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 71359136 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 71359136 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79225441 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 79225441 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79225441 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79225441 | REDACTED | Borrower 2 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79225441 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79225441 | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 79225441 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 79225441 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77032013 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77032013 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77032013 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 74823396 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74823396 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74823396 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74823396 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 78658448 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78658448 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROMTHE 1008 |
| REDACTED |  | 78658448 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 78658448 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78658448 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74952517 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74952517 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 75105710 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75105710 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75105710 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75105710 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75105710 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79916897 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 77209510 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77209510 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 72785111 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 72785111 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72785111 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 72785111 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72785111 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDED |
| REDACTED |  | 73053102 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73053102 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73053102 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73053102 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77890199 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77890199 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77890199 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77890199 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77890199 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 77890199 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77890199 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 77890199 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 77890199 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76621590 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76621590 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76621590 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76621590 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76621590 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76621590 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79222211 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79222211 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79222211 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79222211 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79222211 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75751902 | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75751902 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75751902 | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75751902 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75751902 | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75751902 | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 75751902 | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | fromthe 1008 |
| REDACTED |  | 75751902 | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75751902 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75751902 | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75751902 | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 75751902 | REDACTED | Loan Origination Company | notePage | REDACTED | REDACTED | from the n ote |
| REDACTED |  | 75751902 | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 75751902 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 75751902 | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 75751902 | REDACTED | Initial Originator Signature Date | complianceDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | 75751902 | REDACTED | Number of Mortgaged Properties | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | 73539739 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73539739 | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73539739 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73539739 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 73539739 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 74053669 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Per mortgage statement |
| REDACTED |  | 74053669 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 74053669 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 74053669 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79001879 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 79001879 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79001879 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | OK |
| REDACTED |  | 79001879 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79408069 | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79408069 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79408069 | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | 79408069 | REDACTED | Closing/Settlement Date | finalCdDetailPage | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | 79408069 | REDACTED | Monthly Property Tax Amount | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79408069 | REDACTED | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 74111905 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74111905 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74111905 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74111905 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74111905 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 78722465 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 78722465 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76694829 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 76694829 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76694829 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 76694829 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79632122 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 79632122 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77205598 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROMTHE 1008 |
| REDACTED |  | 77205598 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77205598 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77205598 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77205598 | REDACTED | Borrower 1 Birthdate | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77205598 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77205598 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77082066 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77082066 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | 77082066 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 72101366 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FIRST NAME VS LAST NAME |
| REDACTED |  | 72101366 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 72101366 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUSINESS PURPOSE |
| REDACTED |  | 74028388 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74028388 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74028388 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | 74028388 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | not business purpose loan |
| REDACTED |  | 77826370 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77826370 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 77824091 | REDACTED | Amortization Term | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 77824091 | REDACTED | Credit QM/ATR Designation | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 77824091 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED YRS DOCUMENTS IN FILE |
| REDACTED |  | 77824091 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDED |
| REDACTED |  | 77824091 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUSINESS LOAN |
| REDACTED |  | 72764168 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 72764168 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72764168 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 75658029 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 75658029 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | USED BALANCE FROM MORTGAGE STATEMENT REDACTED |
| REDACTED |  | 75658029 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | 75658029 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 75658029 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | REDACTED | REDACTED | RENTAL PROPERTIES HAD TO INCLUDE TAXES AND INSURANCE IN LOSSES |
| REDACTED |  | 75658029 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 75243537 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75243537 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75243537 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75243537 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75243537 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 75639641 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | same |
| REDACTED |  | 75639641 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | unpaid current balance on first mortgage |
| REDACTED |  | 75639641 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | 75639641 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from Note |
| REDACTED |  | 75639641 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | used balance from current mortgage statement vs credit report |
| REDACTED |  | 74008279 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74008279 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | FROM CREDIT REPORT |
| REDACTED |  | 74008279 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74008279 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74008279 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | 74008279 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 79499559 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 79499559 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79499559 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79499559 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79499559 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79499559 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | ANNUAL VS MONTHLY TAXES |
| REDACTED |  | 72073116 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 72073116 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 72073116 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 72073116 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72073116 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 72073116 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 73557589 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73557589 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 73557589 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73557589 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73557589 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70256509 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 70256509 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 70256509 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 75184710 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 75184710 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title policy |
| REDACTED |  | 75184710 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75184710 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping. Loan is not DSCR |
| REDACTED |  | 75184710 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | 75184710 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 71241195 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 71241195 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71241195 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 71872717 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71872717 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 71872717 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUSINESS PURPOSE |
| REDACTED |  | 70030443 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70030443 | REDACTED | Property Address | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70030443 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70030443 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 73260690 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73260690 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 73260690 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 73260690 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 73260690 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | USED UNPAID BALANCE FROM MORTGAGE STATEMENT ON PG 129 |
| REDACTED |  | 77859060 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 77859060 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 77859060 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 77859060 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 77859060 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70130169 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70130169 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70130169 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 70130169 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 72911133 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 72911133 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | Per Title policy |
| REDACTED |  | 72911133 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 72911133 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72911133 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72911133 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | 72911133 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 72125562 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72125562 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 78919076 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 78919076 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | 78919076 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78919076 | REDACTED | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 78919076 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 79516113 | REDACTED | Property City | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 79516113 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 79516113 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 74806794 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 74806794 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74806794 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74806794 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 74806794 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors |
| REDACTED |  | 74806794 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74806794 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 74806794 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74806794 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 74806794 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 78365126 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 78365126 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78365126 | REDACTED | PUD Rider | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | 78365126 | REDACTED | Signor 1 Full Name | deedOfTrustPage | REDACTED | REDACTED | FROM THE DEED |
| REDACTED |  | 78365126 | REDACTED | All Borrower Income from Employment Total | employmentIncomePage | REDACTED | REDACTED | FROM WVOE |
| REDACTED |  | 78365126 | REDACTED | QM Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 78365126 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 74382352 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 74382352 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 74382352 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 74382352 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76025642 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | OK |
| REDACTED |  | 76025642 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 76025642 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | 76025642 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | DOES NOT NEGTIVELY IMAPCT LOAN |
| REDACTED |  | 76025642 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 73735561 | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73735561 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Status used per guidance |
| REDACTED |  | 73735561 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70813544 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 70813544 | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 70813544 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76410902 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 76410902 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 76410902 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | 76410902 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 76410902 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 74011452 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value, entry discrepancy |
| REDACTED |  | 74011452 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Credit page 46 in amount of REDACTED |
| REDACTED |  | 74011452 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Note page 142 in amount of REDACTED |
| REDACTED |  | 74011452 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71874424 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 71874424 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 76756771 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | NA |
| REDACTED |  | 76756771 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same |
| REDACTED |  | 76756771 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | NA |
| REDACTED |  | 76756771 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Based on most recent balance update |
| REDACTED |  | 72944792 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 72944792 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | FROM MATRIX |
| REDACTED |  | 73826024 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73826024 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73826024 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | 73826024 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 73826024 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79669631 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79669631 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 79669631 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 74677393 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74677393 | REDACTED | CU Score | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74677393 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74677393 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Same value |
| REDACTED |  | 74677393 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 74677393 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72258315 | REDACTED | Loan ID | manual | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 72258315 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 72258315 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77886684 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 77886684 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77886684 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 77886684 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77886684 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77886684 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77886684 | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71944275 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NTOE |
| REDACTED |  | 71944275 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71944275 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71944275 | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 71944275 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71944275 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71944275 | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NTOE |
| REDACTED |  | 78945914 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 78945914 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 76895059 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76895059 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76895059 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76895059 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76895059 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79444147 | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 79444147 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | 79444147 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77524350 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77524350 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77524350 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77524350 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71448116 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 71448116 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71448116 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71448116 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 70567970 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70567970 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70567970 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70567970 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 70567970 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70567970 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79798348 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 79798348 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79798348 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 75783824 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75783824 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 79157163 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 79157163 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 73480053 | REDACTED | Effective Date - Title Commitment | titlePage | REDACTED | REDACTED | From the Title provided on page 236 |
| REDACTED |  | 73480053 | REDACTED | Final Reviewed QM Status | diligenceFinalLookPage | REDACTED | REDACTED | NA |
| REDACTED |  | 73480053 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | Not a DSCR loan |
| REDACTED |  | 73480053 | REDACTED | Underwriting Guideline Lender Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 71120403 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 71120403 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same |
| REDACTED |  | 71120403 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71120403 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76177658 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76177658 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76177658 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76177658 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 76177658 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 75995847 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75995847 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75995847 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79961122 | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 79961122 | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 79961122 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 77159566 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77159566 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77159566 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Primary wage earner FICO |
| REDACTED |  | 77159566 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77159566 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Lender documented all ATR UW factors |
| REDACTED |  | 77159566 | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | 77159566 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 78528544 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78528544 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78528544 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78528544 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78528544 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78528544 | REDACTED | Borrower 1 SSN | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78528544 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 70597183 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Tape date incorrect. True data verified. |
| REDACTED |  | 70597183 | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified. |
| REDACTED |  | 70597183 | REDACTED | Proposed HOA | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified. |
| REDACTED |  | 70597183 | REDACTED | Proposed Other Financing P&I | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified. Tape date reflects 1st lien payment. |
| REDACTED |  | 70597183 | REDACTED | Proposed Hazard Insurance | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified |
| REDACTED |  | 70597183 | REDACTED | Proposed Other | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified. Tape date reflects 1st lien payment. |
| REDACTED |  | 70597183 | REDACTED | Proposed Mortgage Insurance | the1008Page | REDACTED | REDACTED | Tape date incorrect. True data verified. Tape date reflects 1st lien payment. |
| REDACTED |  | 70597183 | REDACTED | Loan Origination Company | notePage | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Ethnicity - Puerto Rican | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Years in Current Home | the1003Page | REDACTED | REDACTED | Over 5 years verified. |
| REDACTED |  | 70597183 | REDACTED | B1 Country Name | the1003Page | REDACTED | REDACTED | Tape date reflects Country correctly. |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Ethnicity - Cuban | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Employer 1 Years in Line of Work | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Name of Employer1 | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Ethnicity Visual Observation or Surname | the1003Page | REDACTED | REDACTED | No visual observation reflected on 1003. |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Ethnicity - Other Hispanic or Latino | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70597183 | REDACTED | Borrower 1 Ethnicity - Mexican | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | Tape date incorrect. True data verified. |
| REDACTED |  | 70597183 | REDACTED | Negative Amortization Flag | notePage | REDACTED | REDACTED | Same value |
| REDACTED |  | 70597183 | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | Tape date incorrect. True data verified. |
| REDACTED |  | 71484415 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71484415 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71484415 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71484415 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 70912091 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 70912091 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 70912091 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | 76354690 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 76354690 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71955747 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71955747 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | 78454814 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 78454814 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78454814 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78454814 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 72468358 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 72468358 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | 78507212 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | 78507212 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 78507212 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78507212 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78507212 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | From the Tax cert provided |
| REDACTED |  | 79083410 | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79083410 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79083410 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79083410 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79083410 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79083410 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77841090 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 77841090 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77841090 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | From the appraisal |
| REDACTED |  | 77841090 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77841090 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77841090 | REDACTED | Actual in Place Rent From Lease | businessPurposePage | REDACTED | REDACTED | From the appraisal |
| REDACTED |  | 75720603 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FRIOM THE 1003 |
| REDACTED |  | 75720603 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75720603 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75720603 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75566452 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 75566452 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines Matrix |
| REDACTED |  | 73399774 | REDACTED | Loan ID | manual | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73399774 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 73399774 | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | 73399774 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Per first lien UPB + 2nd Mortgage |
| REDACTED |  | 75383241 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75383241 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 75383241 | REDACTED | Property Address | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75383241 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75383241 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75383241 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 75383241 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73694909 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | 1st lien balance REDACTED |
| REDACTED |  | 73694909 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | Initial 1003 REDACTED |
| REDACTED |  | 73694909 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76149874 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76149874 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 77854407 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77854407 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77854407 | REDACTED | Property Address | notePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77854407 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77854407 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 77854407 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 77854407 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77392137 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 77392137 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77392137 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77392137 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | 74138850 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 74138850 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 74138850 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 74138850 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71739954 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 71739954 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 71739954 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | 71739954 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the appraisal |
| REDACTED |  | 71739954 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78580544 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | 78580544 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 73214175 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 73214175 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | 73214175 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 73214175 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73214175 | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 73214175 | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | From the Tax Cert |
| REDACTED |  | 76047906 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76047906 | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | from credit report |
| REDACTED |  | 76047906 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 76047906 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76047906 | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | 76047906 | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 76047906 | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 77736912 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77736912 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77736912 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 77736912 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 78998269 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | OK |
| REDACTED |  | 78998269 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | PER APPRAISAL |
| REDACTED |  | 78998269 | REDACTED | Prepayment Penalty Flag | notePage | REDACTED | REDACTED | OK |
| REDACTED |  | 70281256 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 70281256 | REDACTED | Amortization Term | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 70281256 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78099991 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 78099991 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 78037908 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78037908 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 74243446 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NOT BUS PURPOSE |
| REDACTED |  | 74243446 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV LTV |
| REDACTED |  | 74722386 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 74722386 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 72077813 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72077813 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72077813 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72077813 | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 72077813 | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | Per loan approval |
| REDACTED |  | 78515459 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 78515459 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | 75533668 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID. |
| REDACTED |  | 75533668 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75533668 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 75533668 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79048000 | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | 79048000 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 79048000 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 79048000 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 76223204 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76223204 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 76223204 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 76223204 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 72311424 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Same value |
| REDACTED |  | 72311424 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Same value |
| REDACTED |  | 72311424 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | 1st lien balance page 604 |
| REDACTED |  | 72311424 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 71697976 | REDACTED | Loan ID | manual | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71697976 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71449019 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71449019 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71449019 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71449019 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71449019 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 79959102 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 79959102 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 79959102 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 79959102 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | 70452938 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 70452938 | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70452938 | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70452938 | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 70452938 | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 79840025 | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | 79840025 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | 79840025 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 79840025 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71297585 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 71297585 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 71590691 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 71590691 | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | 71590691 | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 71590691 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | 71590691 | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | 70934919 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | 70934919 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 76044339 | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Refinance of a Primary Residence |
| REDACTED |  | 78777061 | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan id |
| REDACTED |  | 78777061 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | 78777061 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 78777061 | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | 78777061 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | 77331232 | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | 77331232 | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | 77331232 | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | fromt he 1008 |
| REDACTED |  | 77331232 | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | 77331232 | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| REDACTED |  | 71031229 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Refund is not necessary see lox fees were disclosed - Seller-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO WIRE TRANSFER FEE WAS DISCLOSED ON THE INITIAL LE. A WIRE TRANSFER FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Refund is not necessary see lox fees were disclosed - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71031229 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See LEs - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO WIRE TRANSFER FEE WAS DISCLOSED ON THE INITIAL LE. A WIRE TRANSFER FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See LEs - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71031229 D A C | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72099373 C A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. MORTGAGE STATEMENT DATED REDACTED FOR 1ST LIEN IS REDACTED DAYS OLD. NEED UPDATED MORTGAGE STATEMENT - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72099373 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Lender's coverage of REDACTED is missing from preliminary title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lenders coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79698702 D A | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Personal Guaranty received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Business purpose form received. Personal loan guaranty still needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Business purpose form and Loan guaranty are missing from file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Personal Guaranty received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79698702 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Cash out letter is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79698702 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Recorded termination received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-UCC termination (not recorded) received. Please provide the recorded UCC termination or the final title opinion showing the UCC removed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-UCC financing statement required to be paid off or subordinated behind this lien. Title pg 446 - #7 - UCC Financing Statement listing REDACTED as debtor and REDACTED as secured party recorded<br> REDACTED in the REDACTED as Instrument REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Recorded termination received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79698702 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. This was included in shipping documents - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM covering REDACTED months required - loan is not reported to credit report. REDACTED month payment history provided for subject property see pg 278. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. This was included in shipping documents - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72735251 C B A | Closed | FCOM2736 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Compliance | Disclosure | Borrower(s) did not receive 3 days right of rescission | Acknowledged-RTC reopened, docs received - acknowledged - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please review the attached documents to clear this file. Updated/corrected signed Right to Cancel and a corrected PCCD.<br> Thanks! - Seller-REDACTED <br> Counter-The RTC on page 30 in the uploaded document packet is dated the same as original - Right to Cancel shows date of transaction as REDACTED, however, RTC was signed by B1 on REDACTED and B2 on REDACTED. RTC expired at midnight REDACTED. Borrowers did not receive 3 business days for their right to rescind the transaction. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> It was brought to my attention that this was a late e-sign and the revised docs were signed but not uploaded. Please see revised docs attached to satisfy condition. <br> Thanks!<br> - Seller-REDACTED <br> Open-Right to Cancel shows date of transaction as REDACTED, however, RTC was signed by B1 on REDACTED and B2 on REDACTED. RTC expired at midnight REDACTED. Borrowers did not receive 3 business days for their right to rescind the transaction. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please review the attached documents to clear this file. Updated/corrected signed Right to Cancel and a corrected PCCD.<br> Thanks! - Seller-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> It was brought to my attention that this was a late e-sign and the revised docs were signed but not uploaded. Please see revised docs attached to satisfy condition. <br> Thanks!<br> - Seller-REDACTED<br>| Acknowledged-RTC reopened, docs received - acknowledged - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 72735251 C B A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Updated first mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached updated statement. <br> Thanks! - Buyer-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. REDACTED mortgage statement is dated REDACTED. Need updated statement within 60 days of Note date ofREDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br>Resolved-Updated first mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72735251 C B A | Closed | FCRE5791 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-CLTV is REDACTED vs. max of REDACTED, credit history, mortgage history REDACTED and REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this, please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-Borrower 2 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report is over REDACTED days from note date - report dated REDACTED and Note is dated REDACTED (REDACTED guidelines per app date) - Due Diligence Vendor-REDACTED |  | Acknowledged-CLTV is REDACTED vs. max of REDACTED, credit history, mortgage history REDACTED and REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 72735251 C B A | Closed | FCRE5790 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Exception waiver received to allow gap credit dated REDACTED days vs guideline requirement of REDACTED days from the note date per REDACTED guidelines based on app date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this, please see attached. <br> Thanks! - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap report is over REDACTED days from note date - report dated REDACTED and Note is dated REDACTED (REDACTED guidelines per app date) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this, please see attached. <br> Thanks! - Seller-REDACTED<br>| Acknowledged-Exception waiver received to allow gap credit dated REDACTED days vs guideline requirement of REDACTED days from the note date per REDACTED guidelines based on app date - Due Diligence Vendor-REDACTED |  | CLTV is REDACTED vs. max of REDACTED , credit history, mortgage history REDACTED and REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 70643655 D A | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Final 1003 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Open-Updated final 1003 required - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70643655 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Info received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached documents previously provided, mortgage statement shows loan is impounded (Escrowed), REDACTED internet print out (page 6) showing No HOA, and property profile showing the amount for taxes (REDACTED). - Seller-REDACTED <br> Open-Verification of taxes & insurance on REDACTED investment property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached documents previously provided, mortgage statement shows loan is impounded (Escrowed), REDACTED internet print out (page 6) showing No HOA, and property profile showing the amount for taxes (REDACTED). - Seller-REDACTED | Resolved-Info received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70643655 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP received with lenders coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) There is no Policy amount in the Title report. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-FTP received with lenders coverage - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70643655 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-FTP received, lien removed, resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification that the second lien deed of trust for REDACTED , which is REDACTED on title, is paid off and removed from FTP. Lien was not paid off through CD at closing of this loan. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-FTP received, lien removed, resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75184418 C A | Closed | finding-3408 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Late Fee Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §1026.34(a)(8)(i))The loan provides for a late payment fee in excess of 4% of the amount of the payment past due; orA value for the late charges amount was not provided.Any late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4 percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. Verification of bonafide discount points needed - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75184418 C A | Closed | finding-3406 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Pre-Loan Counseling Date Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §1026.34(a)(5)(i), (ii))The loan is a 2010 RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a 2015 TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §1026.40; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §1026.32; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date.Certification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the Secretary of the U.S. Department of Housing and Urban Development or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(5) must occur after:(A) The consumer receives either the disclosure required by section 5(c) of the Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2604(c)) or the disclosures required by §1026.40; or(B) The consumer receives the disclosures required by §1026.32(c), for transactions in which neither of the disclosures listed in (A) are provided. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75184418 C A | Closed | finding-1260 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | REDACTED RHCMLA Covered Loan HOEPA High Cost Threshold Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the HOEPA high cost threshold test.(REDACTED)The loan is a HOEPA high-cost mortgage. The loan is considered a mortgage under 15 USC 1602 (bb) and regulations adopted thereunder, including 12 CFR 226.32. More information on why the loan is a HOEPA high-cost mortgage can be found in the HOEPA (Sections 32, 35) or Federal High-Cost Mortgage (HOEPA - Amended) section of the loan report. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75184418 C A | Closed | finding-3393 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | High-Cost Mortgage Points and Fees Threshold Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §1026.32(a)(1)(ii)(A), (B))The loan amount is REDACTED or more, and the transaction's total points and fees is REDACTED, which exceeds 5 percent of the total loan amount of REDACTED; or The loan amount is less than REDACTED and the transaction's total points and fees is REDACTED, which exceeds the lesser of 8 percent of the total loan amount of REDACTED or REDACTED. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75184418 C A | Closed | finding-3399 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | High-Cost Mortgage Timing of Disclosure Test | Resolved- - Due Diligence Vendor-REDACTED <br>Open-This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §1026.31(c))The High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §1026.32 at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70621916 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Title supplement shows borrower names, not vesting. Amendment to instructions is not signed and is not a legal document. Copy of recorded deed or final title policy is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Copy of recorded deed changing ownership from vesting on title which is REDACTED to vesting on DOT which is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Deed received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73067787 C A | Closed | FCRE1195 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Credit supplement received with updated first balance - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached credit supplement. The borrower paid down the balance on the first lien in order to not go below our minimum loan amount of REDACTED.<br> Thanks! - Buyer-REDACTED <br> Open-Max LTV is REDACTED and and CLTV is REDACTED balance for first mortgage was taken from statement dated REDACTED with outstanding balance of REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Credit supplement received with updated first balance - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77748085 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 70785718 C A | Closed | FCOM7001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Missing Post Consummation Closing Disclosure | Resolved-PCCD and LOC received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED <br>Open-PCCD indicating no escrows and refund of the flood impounds from closing is needed. - Due Diligence Vendor-REDACTED |  | Resolved-PCCD and LOC received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79846109 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing credit report is dated REDACTED and Note date is REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79846109 D A | Closed | FCRE5783 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing credit report is dated REDACTED and Note date is REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79846109 D A | Closed | FCRE1356 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 YTD Profit & Loss Missing | Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-P&L received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 YTD Profit & Loss Missing YTD P&L or 3 months business bank statements required for borrower #2 (Balance sheet & one pg of business bank stmt is in file - pg 136) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 YTD Profit & Loss Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-P&L received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79846109 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Increased lenders coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Lender's coverage of REDACTED must be increased to cover loan amount of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Increased lenders coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76330005 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Bank Stmt Income Worksheet received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Income Calc Attached - Seller-REDACTED <br> Counter-1008 (named URLA) and bank statement income worksheets are not for this loan/borrower. Borrower name and business name on bank statement worksheet and 1008 submitted on REDACTED do not match this borrower or business name. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Additional income calculation worksheet received but is not updated. Bank statement calculation worksheet in file shows months of REDACTED instead of the bank statements with correct dates in file. Borrower name missing, business name missing, incorrect months on worksheet. A corrected bank statement income worksheet is required. - Due Diligence Vendor-REDACTED <br> Counter-Same income worksheet received. Bank statement calculation worksheet in file shows months of REDACTED instead of the bank statements with correct dates in file. Corrected lender income worksheet reflecting bank statements in file needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Bank statement calculation worksheet in file shows months of REDACTED instead of the bank statements with correct dates in file. Corrected lender income worksheet reflecting bank statements in file needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Income Calc Attached - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Bank Stmt Income Worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76330005 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verification of self-emp business within REDACTED days of note date not in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76330005 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-. - Due Diligence Vendor-REDACTED <br> Resolved-Same 1008 received - TPR retaining TPR verified values. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document 1008 was IS in file on page 211 but reflects HOA dues of REDACTED/month. HOA statement on pg 152 shows REDACTED, which also matches the appraisal. Revised 1008 is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED <br>Resolved-Same 1008 received - TPR retaining TPR verified values. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76330005 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79837714 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77414634 D A | Closed | FCRE1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Title report atttached - Seller-REDACTED <br>Counter-Title submitted is an O&E report only which cannot be accepted. An ALTA title insurance policy with lenders coverage is required. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is Incomplete Title submitted is an O&E report only which cannot be accepted. An ALTA title insurance policy with lenders coverage is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title report atttached - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is Provided And Complete - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Resolved-1004 & Acknowledgement received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Full 1004 and appraisal receipt verification required. Loan is HPML. No valuation in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Resolved-1004 & Acknowledgement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-missing use for cash out letter. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-B1 lender income worksheet is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing 2 yrs w2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE1329 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 W2/1099 Less Than 24 Months Provided | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Less Than 24 Months Provided B1 REDACTED W2 missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing 2 yr w2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE1358 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-B2 REDACTED W2 missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard attached - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77414634 D A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1003 attached - Seller-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1003 attached - Seller-REDACTED<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70839826 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Per credit supplement, prior to REDACTED, this account was transferred from REDACTED (see credit report). More than REDACTED months verified. <br> Also, attached Post CD and Payoff Statement from prior loan closed with REDACTED. - Seller-REDACTED <br> Open-Primary residence housing payments verified for REDACTED months. First mortgage opened in REDACTED. REDACTED months verification required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Per credit supplement, prior to REDACTED, this account was transferred from REDACTED (see credit report). More than REDACTED months verified. Also, attached Post CD and Payoff Statement from prior loan closed with REDACTED. - Seller-REDACTED | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70839826 D A | Closed | FCRE1159 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-HOI received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED Renewal policy effective REDACTED in file. Homeowners insurance in place at note - REDACTED & disbursement date - REDACTED needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-HOI received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70839826 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated lenders title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Lender's coverage of REDACTED is missing from preliminary title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated lenders title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70839826 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70839826 D A | Closed | FCRE1726 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-ID not expired received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-PATRIOT FORM ON PG 241 SHOWS REDACTED EXPIRED REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-ID not expired received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70831348 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79216054 C A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Updated first mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement on this property dated REDACTED exceeds REDACTED days from Note dated REDACTED allowed by guidelines page 137 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br>Resolved-Updated first mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71464262 C A | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached proof of appraisal delivery.<br> Thanks! - Buyer-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71464262 C A | Closed | FCRE1159 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED <br> Resolved-Verification of homeowners insurance in place at the time of closing/disbursement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We used the renewal to close the loan. Please see the attached current policy.<br> Thanks! - Buyer-REDACTED <br> Open-Hazard Insurance Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Hazard Insurance Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-REDACTED <br> Resolved-Verification of homeowners insurance in place at the time of closing/disbursement received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74554265 C A | Closed | FCOM2736 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Borrower(s) did not receive 3 days right of rescission | Resolved-PCCD verifying disbursement on REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> There was a PCCD on REDACTED showing the file was disbursed on REDACTED. See attached. <br> Thanks! - Buyer-REDACTED <br> Open-The non-borrowing vested spouse did not receive 3 days right to cancel. The note date is REDACTED. The non-borrowing spouse signed the RTC on REDACTED. RTC expired REDACTED. This is a right to cancel fail. Also shows failed on lender REDACTED - pg 24 - Due Diligence Vendor-REDACTED |  | Resolved-PCCD verifying disbursement on REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74554265 C A | Closed | FCOM5001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | State Compliance Finding | Resolved-PCCD received, no payoff demand fee present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> The closing agent on this file states there is not a payoff demand fee on the final CD<br> Thanks! - Buyer-REDACTED <br> Open-REDACTED Code 24-4.5-3-209 and the REDACTED Home Loan Practices Act (REDACTED Code 24-9-3-6)- the payoff demand fee is not allowed to be charged to the borrower and paid to the lender, originator, affiliate, or provider. - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received, no payoff demand fee present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71359136 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Received a corner screenshot of evidence of payment for REDACTED payment. A copy of the actual first mortgage statement within 60 days of the closing date is required per guidelines. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement for subject property REDACTED is not within 60 days of Note REDACTED as required by guidelines. page 126,381 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71359136 D A | Closed | FCRE1440 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-REDACTED <br> Resolved-Tax card received on REDACTED showing borrower as an owner with REDACTED. Statement in file to verify that borrower is not on the mortgage. Mortgage with Midland Mortgage not on borrower credit report. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review- - Due Diligence Vendor-REDACTED <br> Counter-Portion one of finding resolved per UW LOX. Still needed: Mortgage statement on pg 136 - reflects a property address that is not on the 1003 on REDACTED in the name of REDACTED. Lender to advise what property this is and the relation to the borrowers. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. LOX from UW - Seller-REDACTED <br> Open-1. Verification of primary residence housing payment history is not located in file. 12 months housing payment history is required. Agreements for primary housing show that the primary residence was assigned to REDACTED. Unable to determine if borrower ever took occupancy of primary residence per documents in file pg 153-160. <br> 2. Mortgage statement on pg 136 - reflects a property address that is not on the 1003 on REDACTED in the name of REDACTED. Lender to advise what property this is and the relation to the borrowers. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOX from UW - Seller-REDACTED<br>| Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-REDACTED <br> Resolved-Tax card received on REDACTED showing borrower as an owner with REDACTED. Statement in file to verify that borrower is not on the mortgage. Mortgage with REDACTED not on borrower credit report. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71359136 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentation to verify monthly payment of REDACTED for other REO at REDACTED and REDACTED Acres REDACTED per Final 1003.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71359136 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79225441 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Verification of judgments to be removed from title received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. The judgments, Item B1 10 - was omitted - the Title endorsement was included with the original review package. Judgments are not against borrower. They are a like name. Attached, Additional Title endorsement omitting/ clearing judgments and Closing affidavit clearing judgments as like names. Please clear for purchase. Thank you - Seller-REDACTED <br>Open-Property Title Issue Title - pg 181 - Schedule B-Part I item 10 shows 2 pages of judgements against both borrowers. Final title policy and proof this judgment was paid prior to closing is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The judgments, Item B1 10 - was omitted - the Title endorsement was included with the original review package. Judgments are not against borrower. They are a like name. Attached, Additional Title endorsement omitting/ clearing judgments and Closing affidavit clearing judgments as like names. Please clear for purchase. Thank you - Seller-REDACTED<br>| Resolved-Verification of judgments to be removed from title received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77032013 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-UCC termination received. TPR agrees with UW LOE. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hi,<br> Please see attached from our UW manager.<br> Thanks! - Seller-REDACTED <br> Counter-We cannot use the appraiser statement that there is no balance owed on the solar system. Per guidelines, we have to have the following to document the file - a copy of the purchase agreement is required, the financed balance must be in CLTV and the payment must be in DTI. A copy of the financing statement or proof paid in full and the purchase agreement is still pending. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> I have just uploaded page REDACTED of the appraisal. the REDACTED shows that the solar is fully owned. <br> Thanks! - Seller-REDACTED <br> Counter-Verification from title that the UCC will be terminated received, however, per guidelines a copy of the purchase agreement is required, the financed balance must be in CLTV and the payment must be in DTI. A copy of the financing statement or proof paid in full and the purchase agreement is still pending. TPR cannot determine the CLTV & DTI until these documents are received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached title supplement. Item will not appear on Final title Policy.<br> Thanks! - Seller-REDACTED <br> Counter-1. Solar confirmed to be owned per appraisal and UW comment. Per guidelines, a copy of the purchase agreement is required. Verification of the financed balance or verification there is no balance owed on the solar lien is required. Any financed balance owed must be included in CLTV and DTI. Verification from the title company that the UCC filing was subordinated to this lien is required. <br> 2. Resolved - The tax receipt received matched the parcel taxes that are shown as paid already on title & verifies the supplemental taxes as paid. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> for the REDACTED lien, please see page 15 of the PDF. the solar panels are owned and not leased. <br> for the taxes, please see bottom of page 2. they were paid. <br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue 1. Delinquent supplemental taxes totaling REDACTED shown on title were not paid off on Final CD - pg 828. Verification taxes paid at/prior to closing is required. <br> 2. REDACTED lien on title. The REDACTED documentation is in file showing the REDACTED is on the solar system (not subject property). Verification of the lease payment is required and must be added to DTI per guideline requirements. <br> 3. Verification from title company that the lien for this loan will remain ahead of the REDACTED lien.<br>- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. hi,<br> Please see attached from our UW manager.<br> Thanks! - Seller-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> I have just uploaded page REDACTED of the appraisal. the REDACTED shows that the solar is fully owned. <br> Thanks! - Seller-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached title supplement. Item will not appear on Final title Policy.<br> Thanks! - Seller-REDACTED | Resolved-REDACTED termination received. TPR agrees with UW LOE. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77032013 D A C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Resolved - remainder of solar condition is under title finding. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see page 15 of the PDF. the solar panels are owned and not leased. <br> Thanks! - Seller-REDACTED <br>Open-UCC lien for solar on title - appears to be lease liability. Value has been given to solar panels on appraisal which is not allowed per guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see page 15 of the PDF. the solar panels are owned and not leased. <br> Thanks! - Seller-REDACTED<br>| Resolved-Resolved - remainder of solar condition is under title finding. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77032013 D A C | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. hi,<br> Please see the attached soft pull.<br> Thanks! - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. hi,<br> Please see the attached soft pull.<br> Thanks! - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77032013 D A C | Closed | FCRE5783 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached soft pull.<br> Thanks! - Buyer-REDACTED <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74823396 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 78658448 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED <br>Open-cash out letter is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOE uploaded - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78658448 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Income Worksheet uploaded - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Income Worksheet uploaded - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74952517 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75105710 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75105710 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Inc Worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Inc Worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75105710 D A | Closed | FCRE1437 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Documentation received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines Missing WVOE per 1008. No income documentation in file to verify borrower's base income of REDACTED and overtime income of REDACTED per final 1003 = REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79916897 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing lender bank statement worksheet - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77209510 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 72785111 C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD, settlement statement from settlement agent, and letter to borrower received verifying disbursement date after RTC expired. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached LOE and Final Settlement Statement - Seller-REDACTED <br> Counter-Updated disbursement date on PCCD received as REDACTED. Verification of delivery of the PCCD to the borrower and the updated settlement statement from the settlement agent confirming the disbursement date required.<br> - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see Post CD - Seller-REDACTED <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE FINAL CD REFLECTS THE CLOSING DATE AS REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE BORROWER SIGNED CLOSING DOCS ON REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCEL. THE LAST DAY TO CANCEL WAS DISCLOSED AS REDACTED WHICH WAS WITHIN THE 3 BUSINESS DAYS OF THE CLOSING. NO POST CLOSE CD WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached LOE and Final Settlement Statement - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see Post CD - Seller-REDACTED<br>| Resolved-PCCD, settlement statement from settlement agent, and letter to borrower received verifying disbursement date after RTC expired. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72785111 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Received. Lenders coverage verified. All prior items removed from final title policy. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Final Title Policy required - <br> 1. Lender's coverage of REDACTED is missing, CPL on pg 207 states loan amount of REDACTED vs. Lender's coverage.<br> 2. Item REDACTED on pg 222 is for solar energy supplement states UCC Filing will be terminated and not on final policy, UCC filing statement is missing from file.<br> 3. Title supplements on REDACTED states REDACTED will not show on final policy.\*\* Final policy is needed to verify these were removed. <br> 4. item REDACTED on REDACTED was paid on CD at close<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final Title Received. Lenders coverage verified. All prior items removed from final title policy. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73053102 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77890199 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received - ordered after note & disbursement date - Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing REDACTED and REDACTED w2 transcripts are missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received - ordered after note & disbursement date - Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | Originator Post-Close | No |
| REDACTED |  | 77890199 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Quit claim deed received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Vesting on title currently shows B1 & ex-spouse. A copy of the quit claim deed transferring the property to B1 name only or a title supplement reflecting updated vesting is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Quit claim deed received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 76621590 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79222211 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Updated first mortgage statement on subject property received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. See updated mortgage statement - Seller-REDACTED <br>Open-First mortgage statement on subject property is greater than 60 days from the note date. First mortgage statement for subject property within 60 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See updated mortgage statement - Seller-REDACTED<br>| Resolved-Updated first mortgage statement on subject property received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79222211 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - corrected 1003 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated Final 1003 - Seller-REDACTED <br> Open-Final 1003 reflects monthly payment of REDACTED for other REO at REDACTED, however, per documentation in file, total monthly payment is REDACTED.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated Final 1003 - Seller-REDACTED<br>| Resolved-Resolved - corrected 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79222211 D A | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Documentation received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached business documents - Seller-REDACTED <br> Open-Missing business documents, operating agreement, proof of ownership, & EIN for REDACTED - required for borrower & vesting structure. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached business documents - Seller-REDACTED<br>| Resolved-Documentation received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived- - Due Diligence Vendor-01/27/2026 <br> Waived-Exception form received to allow AVM with a confidence score of REDACTED. Secondary email approval in file pgs 13-17 - Due Diligence Vendor-REDACTED |  | Waived-Exception form received to allow AVM with a confidence score of REDACTED. Secondary email approval in file pgs 13-17 - Due Diligence Vendor-REDACTED |  | DTI under REDACTED, CLTV under REDACTED, Cash out provides sufficient reserves, REDACTED FICO |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 75751902 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out letter received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Inquiry statement received. Still needed: A borrower statement explaining the use of the cash out is required per guidelines. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-use for cash out letter is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash out letter received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE5047 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Lenders title insurance coverage verified - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title insurance is REDACTED. Lien amount is REDACTED. Lenders title coverage must be increased to cover loan amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lenders title insurance coverage verified - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Power purchase agreement received. Energy Producer contract received - meets all requirements - resolved. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Property Title Issue There is a solar filing on title. A copy of the solar agreement is required to determine if the solar system is leased or purchased and if the solar filing must be terminated/subordinated. - Due Diligence Vendor-REDACTED <br>Ready for Review-Could you please clarify what the issue is? - Seller-REDACTED <br>Open-Property Title Issue - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Could you please clarify what the issue is? - Seller-REDACTED<br>| Resolved-Power purchase agreement received. Energy Producer contract received - meets all requirements - resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COCs received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LOAN ORGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURESMENT WAS LOCATED IN THE FILE. THE APPRAISAL REVIEW FEE INCREASED BY REDACTED FROM THE INITIAL LE TO THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THAT INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-REDACTED <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COCs received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COCs received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-NO POINTS WERE DISCLOSED ON THE INITIAL LE. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. THE LOAN ORIGINATION FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE LOAN ORGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURESMENT WAS LOCATED IN THE FILE. THE APPRAISAL REVIEW FEE INCREASED BY REDACTED FROM THE INITIAL LE TO THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THAT INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COCs received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM8227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED <br>Resolved-Initial Loan Estimate is Missing. - Due Diligence Vendor-REDACTED <br>Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Initial Loan Estimate is Missing. INITIAL LE IS MISSING. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED <br>Resolved-Initial Loan Estimate is Missing. - Due Diligence Vendor-REDACTED <br>Resolved-Initial Loan Estimate is not Missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | finding-2962 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Points & Fees | REDACTED AB 260 Higher-Priced Mortgage Loan Test | Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the REDACTED AB 260 higher-priced mortgage loan test. (REDACTED) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the REDACTED Financial Code.While the REDACTED Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-REDACTED |  | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE5770 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 Credit Report is Missing. only credit refresh was provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 YTD Profit & Loss Missing and income calculation worksheet is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1325 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 CPA Letter Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM1477 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM1287 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Document received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Business license & documentation received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing business documentation. Evidence the business has been in operation for REDACTED months<br> • Evidence of business ownership percentage.<br> - Evidence of SOS good standing, articles of organization, business license<br> - CPA letter is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Business license & documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75751902 D B A | Closed | FCOM5454 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Note & CD on investment property refinance received. Using original rental calculation as it is more conservative. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-UW comments on page REDACTED indicate there is a simultaneous refinance in process. A copy of the note and final CD on that refinance is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Note & CD on investment property refinance received. Using original rental calculation as it is more conservative. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73539739 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Updated title received - UCC removed - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Final title policy confirming the UCC lien has been removed or Title must provide a supplement that confirms the lien position of this mortgage is ahead of the UCC filing. (Solar lease received in file.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated title received - UCC removed - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73539739 D B A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-Coverage A increased to cover required insurance - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-RCE submitted is from REDACTED. RCE within 12 months/during policy period is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED. No RCE in file. Coverage A on HOI does not cover total of all liens. RCE or increased coverage A is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Resolved-Coverage A increased to cover required insurance - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73539739 D B A | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts received, dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing Missing W-2 transcripts required for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 73539739 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing W-2 transcripts required for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74053669 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet along with WVOE used. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Income Calculation Worksheet along with WVOE used. - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74053669 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Confirmation of lien position from title company received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Title company will not provide a supplement. They sent an email to confirm that the solar items that show do not affect this new mortgage lien position. - Seller-REDACTED <br> Counter-Final Title Policy received. UCC & Financing statement on final title. The remaining item needed to fulfill guideline requirements that cannot be determined from the final title policy received is: Title must provide a supplement that confirms the lien position of this new mortgage ahead of the UCC or financing statement filing. - Due Diligence Vendor-REDACTED <br> Escalated-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED <br> Open-Property Title Issue Final Title Policy needed to reflect lenders coverage amount and to verify REDACTED are removed/subordinated. (Note - REDACTED on title were paid on final CD.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title company will not provide a supplement. They sent an email to confirm that the solar items that show do not affect this new mortgage lien position. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED<br>| Resolved-Confirmation of lien position from title company received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74053669 D A | Closed | FCRE2515 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Credit history does not meet guidelines | Resolved-Verified solar lease, included in DTI. Solar lease agreement received. Solar not given value on appraisal. - Due Diligence Vendor-REDACTED <br> Escalated-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentation to verify monthly payment of REDACTED per Final 1003 page REDACTED. REDACTED documentation needed to determine title policy findings REDACTED on title and if the solar is a power purchase agreement or purchased solar panels. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verified solar lease, included in DTI. Solar lease agreement received. Solar not given value on appraisal. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74053669 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached the property profile page showing the yearly property tax amount. - Seller-REDACTED <br> Open-Missing documentation verifying full monthly payment of REDACTED for other REO at REDACTED. The loan file contains mortgage statement REDACTED. Property tax documentation is missing. page REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached the property profile page showing the yearly property tax amount. - Seller-REDACTED<br>|  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74053669 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash-out refinance transactions required by guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | finding-3352 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-TPR compliance testing verifies rebuttable presumption - Due Diligence Vendor-REDACTED <br> Counter-TPR received PCCD & refund to borrower information. Current status - TPR reverified compliance testing through both REDACTED and REDACTED with the PCCD APR (post tax service fee change). The loan remains a high price loan due to APR. Reference- \*\*\*The loan's REDACTED APR equals or exceeds the Regulation Z Section 43 Higher-Priced Covered Transaction threshold of REDACTED, which is the comparable average prime offer rate of REDACTED plus REDACTED. The System used the following date to perform the APOR index lookup REDACTED. (12 CFR 1026.43(b)(4); 1026.43(e)(1)) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED<br>Tracking Number is REDACTED<br> - Seller-REDACTED <br> Counter-PCCD received removing tax service fee, which is an allowable change. TPR did not receive proof of the refund to the borrower (copy of check & letter to borrower) at this time. TPR reverified compliance testing through both REDACTED and REDACTED with the PCCD APR (post tax service fee change). The loan remains a high price loan due to APR. <br>The loan's REDACTED APR equals or exceeds the Regulation Z Section 43 Higher-Priced Covered Transaction threshold of REDACTED, which is the comparable average prime offer rate of REDACTED plus REDACTED. The System used the following date to perform the APOR index lookup REDACTED. (12 CFR 1026.43(b)(4); 1026.43(e)(1)) - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. A REDACTED should not be charged on a REDACTED. Please find a post consummated CD - Seller-REDACTED <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. THIS IS A NON QM LOAN. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED <br>Tracking Number is REDACTED <br> - Seller-REDACTED <br> Ready for Review-Document Uploaded. A REDACTED fee should not be charged on a REDACTED. Please find a post consummated CD - Seller-REDACTED | Resolved-TPR compliance testing verifies rebuttable presumption - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Resolved - TPR has retested for rebuttable presumption with PCCD updates. Loan qualifies as QM rebuttable presumption status with valid AVM in file. All guideline requirements are met. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-PCCD received removing REDACTED , which is an allowable change. TPR did not receive proof of the refund to the borrower (copy of check & letter to borrower) at this time. TPR reverified compliance testing through both REDACTED and REDACTED with the PCCD APR (REDACTED). The loan remains a high price loan due to APR. <br>Reference- \*\*\*The loan's (REDACTED) APR equals or exceeds the Regulation Z Section 43 Higher-Priced Covered Transaction threshold of (REDACTED), which is the comparable average prime offer rate<br> of (REDACTED) plus REDACTED . The System used the following date to perform the APOR index lookup (REDACTED). (12 CFR 1026.43(b)(4); 1026.43(e)(1)) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. A REDACTED should not be charged on a REDACTED . It has been removed do a post consummated CD is attached - Seller-REDACTED <br> Open-Loan closed as a HPML without a full appraisal. A full appraisal cannot be provided after closing on this loan. A HPML cannot waive appraisal requirements. TPR has verified that this loan does not qualify as a QM Rebuttable Presumption - APR spread is greater than REDACTED at REDACTED which is noted on Lender REDACTED and TPR compliance testing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. A REDACTED should not be charged on a REDACTED. It has been removed do a post consummated CD is attached - Seller-REDACTED | Resolved-Resolved - TPR has retested for rebuttable presumption with PCCD updates. Loan qualifies as QM rebuttable presumption status with valid AVM in file. All guideline requirements are met. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FVAL8946 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-AVM in file is accepted. PCI is also present. AVM confidence score for value is 92% (89% was incorrectly cited under rental value confidence score). - Due Diligence Vendor-REDACTED <br>Counter-The AVM in file on page 37 indicates a confidence score of .89 which is under the .90 required. Due to the loan being a HPML, a full appraisal was required. HPMLs do not allow appraisals to be waived, and loan closed without an appraisal in file. An AVM will not satisfy the condition. - Due Diligence Vendor-REDACTED <br>Ready for Review-- We're at .92 confidence this condition will be waived? AVM is enough to satisfy the condition Thanks - Seller-REDACTED <br>Open-See overall loan finding - does not conform. Loan is a HPML - a full appraisal/1004 is required. HPMLs do not allow appraisals to be waived, and loan closed without an appraisal in file. Also noted - The AVM in file cannot be used as the score is 89%. Guidelines require 90% confidence score to use AVM. - Due Diligence Vendor-REDACTED | Ready for Review-- We're at .92 confidence this condition will be waived? AVM is enough to satisfy the condition Thanks - Seller-REDACTED<br>| Resolved-AVM in file is accepted. PCI is also present. AVM confidence score for value is 92% (89% was incorrectly cited under rental value confidence score). - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. FVOEs are attached - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE in file is older than 10 days from note date. VOE within 10 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FVOEs are attached - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing VOE in file is older than 10 days from note date. VOE within 10 days of note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-A recorded copy of the UCC termination received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of the UCC filing that only the solar equipment is listed as collateral and a title supplement verifying the lien position of this loan is ahead of the UCC filing is required. (UCC lien for REDACTED on title, REDACTED.) (Verified as a Purchase Power Agreement - REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-A recorded copy of the UCC termination received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 needed to reflect accurate terms of loan - Note rate of REDACTED with P&I of REDACTED and taxes of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated 1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79001879 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79408069 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Document Uploaded. Income REDACTED requirement per lender first guidelines. Resolved. - Due Diligence Vendor-REDACTED <br> Counter-Countered for correct 1008 - Due Diligence Vendor-REDACTED <br> Ready for Review-wrong 1008, will submit correct one asap - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document Updated 1008 with updated income (income REDACTED) required - Due Diligence Vendor-REDACTED | Ready for Review-wrong 1008, will submit correct one asap - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document Uploaded. Income REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74111905 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lenders title coverage amount verified - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing coverage amount REDACTED, loan amount shown is lower than originated loan amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lenders title coverage amount verified - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78722465 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 76694829 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79632122 C A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see REDACTED of the attached - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Hazard insurance is insufficient. 1st and new mortgage=REDACTED Coverage is REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see REDACTED of the attached - Seller-REDACTED | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77205598 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title policy received with lenders coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue lender's coverage of REDACTED is missing from preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title policy received with lenders coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77205598 C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Letter to borrower, PCCD, and updated settlement statement from settlement agent dated REDACTED provided. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-PCCD received. Proof of delivery of the PCCD to the borrower and an updated disbursement statement from the settlement agent is required as verification of disbursement date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Post CD, not provided with closing package. - Seller-REDACTED <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE CLSING DATE FROM THE FINAL CD IS REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE BORROWER SIGNED CLOSING DOCUMENTATION ON REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCDEL DISCLOSURE TO REFLECT THE LAST DAY TO CANCEL AS REDACTED WHICH WAS THE DAY AFTER THE DATE OF DISBUREMENT FROM THE FINAL CD. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see attached Post CD, not provided with closing package. - Seller-REDACTED<br>| Resolved-Letter to borrower, PCCD, and updated settlement statement from settlement agent dated REDACTED provided. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77082066 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. VVOE attached. - Buyer-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE WITHIN 10 DAYS OF CLOSING IS MISSING - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 77082066 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - supplemental verifies ALTA - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Prelim with proposed insured supp attached - Buyer-REDACTED <br> Open-Preliminary Title does not state what type of ALTA policy is to be issued & (REDACTED) lenders coverage is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved - supplemental verifies ALTA - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 72101366 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74028388 C B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Revised prelim uploaded - Buyer-REDACTED <br> Open-Property Title Issue Lender's coverage of REDACTED is missing from prelim title. - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74028388 C B A | Closed | FCRE4805 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust cert received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fully executed trust cert uploaded. - Buyer-REDACTED <br>Open-Trust/POA Does Not Meet Guideline Requirements Trust documents and Trust Cert from title company are missing from file. - Due Diligence Vendor-REDACTED |  | Resolved-Trust cert received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74028388 C B A | Closed | FPRO1251 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Property | Property Zoning Does Not Meet Program Requirements | Waived-Exception in file to allow agricultural zoning. Subject is on REDACTED acres. Subject PUD project shows no evidence of agricultural use.) - Due Diligence Vendor-REDACTED |  | Waived-Exception in file to allow agricultural zoning. Subject is on REDACTED acres. Subject PUD project shows no evidence of agricultural use.) - Due Diligence Vendor-REDACTED |  | LTV of REDACTED vs program max of REDACTED, FICO REDACTED, self-emp same business REDACTED years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 77826370 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 77824091 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet/Calculation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income Worksheet/Calculation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72764168 D B C A | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts received - dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TRANSCRIPTS TO CLEAR CONDITION - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing 2 yrs w2 transcripts are missing (REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TRANSCRIPTS TO CLEAR CONDITION - Seller-REDACTED<br>| Acknowledged-Transcripts received - dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 72764168 D B C A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received - dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TRANSCRIPTS TO CLEAR CONDITION. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing 2 yrs w2 transcripts are missing (REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TRANSCRIPTS TO CLEAR CONDITION. - Seller-REDACTED<br>| Acknowledged-Transcripts received - dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 72764168 D B C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title policy with adequate lender coverage received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TITLE POLICY TO CLEAR CONDITION. - Seller-REDACTED <br> Open-Property Title Issue Lender's coverage needs to be corrected to reflect Lender's Coverage of REDACTED. (Currently shows REDACTED in lenders coverage.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED TITLE POLICY TO CLEAR CONDITION. - Seller-REDACTED<br>| Resolved-Title policy with adequate lender coverage received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72764168 D B C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD and settlement statement verifying disbursement date of REDACTED received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED PCCD ITEMS TO CLEAR CONDITION - Seller-REDACTED <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE CLOSING DATE FROM THE FINAL CD WAS REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE NOTICE OF THE RIGHT TO CANCEL DISCLOSURE DATES WERE HANDWRITTEN AND INITIALIZED BY THE BORROWERS. THE LAST DAY TO CANCEL WAS REDACTED WHICH WAS THE SAME DAY AS THE DISBURSEMENT. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED PCCD ITEMS TO CLEAR CONDITION - Seller-REDACTED<br>| Resolved-PCCD and settlement statement verifying disbursement date of REDACTED received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72764168 D B C A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72764168 D B C A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75658029 D B C A | Closed | FCRE8946 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income documentation expiration dates | Acknowledged-Income within required dates received post-closing and disbursement. Acknowledged. Updated income worksheet received removing REDACTED income which had no eligible deposits for use and added REDACTED per bank statement. REDACTED also had no eligible usable deposits, therefore, monthly amount for qualification is the same. Updated 1008 not required as all calculations are the same. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED INCOME/BANK STATEMENT DOCUMENTATION TO CLEAR CONDITION - Seller-REDACTED <br> Open-Last bank statement used for qualification ends on REDACTED, which is more than REDACTED days from note date of REDACTED. Updated bank statements, bank statement worksheet for calculation, and updated 1008 required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED INCOME/BANK STATEMENT DOCUMENTATION TO CLEAR CONDITION - Seller-REDACTED<br>| Acknowledged-Income within required dates received post-closing and disbursement. Acknowledged. Updated income worksheet received removing REDACTED income which had no eligible deposits for use and added REDACTED per bank statement. REDACTED also had no eligible usable deposits, therefore, monthly amount for qualification is the same. Updated 1008 not required as all calculations are the same. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No |
| REDACTED |  | 75658029 D B C A | Closed | FCRE8728 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing Payment History | Acknowledged-VOM received post-closing & disbursement. VOM original loan amount and date originated matches title. VOM for payment history was not obtained prior to closing - acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED VOM TO CLEAR CONDITION - Seller-REDACTED <br> Open-PAYING OFF PRIVATE SECOND MORTGAGE FROM REDACTED. MISSING PAYMENT HISTORY/CANCELLED CHECKS TO VERIFY PAID AS AGREED. PAYOFF STATEMENT NOT PROVIDED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED VOM TO CLEAR CONDITION - Seller-REDACTED<br>| Acknowledged-VOM received post-closing & disbursement. VOM original loan amount and date originated matches title. VOM for payment history was not obtained prior to closing - acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No |
| REDACTED |  | 75658029 D B C A | Closed | FCRE7810 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title issue | Resolved-FTP received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached final title policy provided by our title company to clear condition. - Seller-REDACTED <br>Open-Title policy states Junior Loan Policy. Verification this is an ALTA/Jr. ALTA policy as required by guidelines is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached final title policy provided by our title company to clear condition. - Seller-REDACTED<br>| Resolved-FTP received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 75658029 D B C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Subordination Agreement from REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached solar items, these should have all been in the shipping package, please re-review and waive. The solar is on the liabilities, and the subordination agreement is with these documents. - Seller-REDACTED <br> Open-Property Title Issue REDACTED Lien - UCC is required to be subordinated or terminated. (Verbiage on title indicates solar panels are purchased. REDACTED was not paid off at closing. REDACTED balance added to LTV by lender and TPR as required by policy.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached solar items, these should have all been in the shipping package, please re-review and waive. The solar is on the liabilities, and the subordination agreement is with these documents. - Seller-REDACTED<br>| Resolved-Subordination Agreement from REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 75658029 D B C A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. CREDIT GAP REPORT, THIS SHOULD HAVE BEEN IN THE SHIPPING PACKAGE AS WELL, PLEASE RE-REVIEW AND WAIVE - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing Credit report in file is REDACTED days old. Gap credit report required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. CREDIT GAP REPORT, THIS SHOULD HAVE BEEN IN THE SHIPPING PACKAGE AS WELL, PLEASE RE-REVIEW AND WAIVE - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 75658029 D B C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD and Settlement Statement from title company received to verify settlement date was REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached pccd items to clear condition. - Seller-REDACTED <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE CLOSING DATE FROM THE FINAL CD WAS DATED REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE BORROWER SIGNED THE FINAL CD ON REDACTED. THE BORROWER SIGNED THE NOTICE OF THE RIGHT TO CANCEL ON REDACTED. THE LAST DAY TO CANCEL FROM THE NOTICE OF THE RIGHT TO CANCEL WAS HANDWRITTEN AS REDACTED AND WAS INITIALIZED BY THE BORROWER. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached pccd items to clear condition. - Seller-REDACTED<br>| Resolved-PCCD and Settlement Statement from title company received to verify settlement date was REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 75243537 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved-FTP with lenders coverage received. UCC/Financing statement addressed on other finding. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see final title policy with REDACTED coverage - Seller-REDACTED <br> Open-Property Title Issue Final title policy needed to show lenders coverage of REDACTED, which is missing from preliminary title, and to verify subordination was recorded in third lien position. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see final title policy with REDACTED coverage - Seller-REDACTED | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-FTP with lenders coverage received. UCC/Financing statement addressed on other finding. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75243537 C A | Closed | FCRE9994 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Original LTV (OLTV) does not meet eligibility requirement(s) | Resolved-Solar purchase agreement received, UCC subordination in file, balance added to CLTV. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-A copy of the purchase agreement is required per guidelines and is not in file. The appraiser has given value to the solar panels on the appraisal which is not allowed with a financing statement on title. There is a UCC lien in file showing to be subordinated, but the financial statement verbiage and the UCC subordination are missing from the final title policy. The monthly payments are already included in DTI. Clarification is needed on why the title company is no longer reflecting the financing statement or UCC subordination. This will determine if the appraiser will either have to revise the value to not give value to the solar panels or the financed balance will have to be included in the CLTV. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Reference REDACTED<br> Plus, we provided the title supplement wit lien position. - Seller-REDACTED <br> Open-A copy of the agreement with REDACTED is required to determine if the solar panels are purchased or if this is a power purchase agreement. If the solar panels are purchased, the balance is to be added to CLTV. CLTV will be REDACTED. Solar Panels have been given value on the appraisal. (A copy of the subordination for the UCC is in file showing the UCC will be in third lien position.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Reference REDACTED<br> Plus, we provided the title supplement wit lien position. - Seller-REDACTED | Resolved-Solar purchase agreement received, UCC subordination in file, balance added to CLTV. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75243537 C A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see updated RCE. Plus insurance has additional replacement cost of REDACTED. This should suffice. - Seller-REDACTED <br> Counter-RCE is greater than REDACTED & not within policy period. Updated RCE within REDACTED is needed to verify adequate coverage. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see EOI and Replacement Cost Estimate - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see updated RCE. Plus insurance has additional replacement cost of REDACTED. This should suffice. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see EOI and Replacement Cost Estimate - Seller-REDACTED | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED<br>|  | Hazard insurance coverage is insufficient. Required coverage= 1st mtg and new second mortgage=REDACTED current coverage REDACTED. RCE is over REDACTED. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75639641 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74008279 D B C A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, dated after closing/disb date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing REDACTED transcripts are missing - Due Diligence Vendor-REDACTED |  | Acknowledged-Transcripts received, dated after closing/disb date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74008279 D B C A | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-VOM received dated after disb date, acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Acknowledged-VOM received - dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. MORTGAGE STATEMENT PROVIDED ON REDACTED IS REDACTED, STATEMENT IS DATED REDACTED AND MUST BE WITHIN REDACTED DAYS OF NOTE DATE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-VOM received dated after disb date, acknowledged. - Due Diligence Vendor-REDACTED <br>Acknowledged-VOM received - dated after disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 74008279 D B C A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing GAP REPORT WITHIN REDACTED DAYS OF CLOSING IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74008279 D B C A | Closed | FCRE5783 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing GAP REPORT WITHIN REDACTED DAYS OF CLOSING IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74008279 D B C A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset depletion calculation on 1008. Lender using a more conservative calculation by using REDACTED. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-income worksheets on REDACTED do not match income used on 1003 or 1008. Revised worksheets are required to match income used to qualify. Income worksheet is not in file for asset depletion, notes are on the 1008. Asset depletion income is to be amortized for REDACTED months per guidelines. Using assets from REDACTED accounts REDACTED used REDACTED of balance REDACTED. Total assets REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Asset depletion calculation on 1008. Lender using a more conservative calculation by using REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74008279 D B C A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Lender is using a more conservative calculation for asset depletion by calculating REDACTED. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document UPDATED 1008 WITH CORRECTED ASSET DEPLETION INCOME REQUIRED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lender is using a more conservative calculation for asset depletion by calculating REDACTED. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74008279 D B C A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Resolved. Additional REDACTED lender credit was applied to the credit report on final CD. - Due Diligence Vendor-REDACTED <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). A LENDER CREDIT WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE REVISED LE. THE LENDER CREDIT DECREASED TO THE AMOUNT OFREDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Resolved. Additional REDACTED lender credit was applied to the credit report on final CD. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79499559 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title Policy received - clear of issues - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Rebuttal received, however a title supplement update or final title opinion from the title company is required to address all issues. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Final title opinion with all manually marked items to be omitted removed. A handwritten marked up copy cannot be accepted. Preliminary title shows non-borrowing occupants as REDACTED, REDACTED, and a REDACTED that will have to be removed/subordinated. A copy of the REDACTED lien is required if still on final title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final Title Policy received - clear of issues - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72073116 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 73557589 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-A recorded copy of the REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Recorded REDACTED uploaded - Seller-REDACTED <br> Counter-A non-recorded copy was received. A recorded copy of the REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required - REDACTED property. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED Cert uploaded - Seller-REDACTED <br> Open-A recorded copy of the REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required - REDACTED property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Recorded IL uploaded - Seller-REDACTED <br>Ready for Review-Document Uploaded. IL Cert uploaded - Seller-REDACTED<br>| Resolved-A recorded copy of the REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73557589 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70256509 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75184710 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 71241195 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 71872717 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Lenders tItle coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. title wasn't able to provide a supplement, only the updated policy.<br> Thanks! - Buyer-REDACTED <br> Open-Property Title Issue Preliminary title shows loan amount vs. Lender's coverage of REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Lenders tItle coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71872717 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out information received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached cash out letter.<br> Thanks! - Buyer-REDACTED <br>Open-cash out letter is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Cash out information received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70030443 D A | Closed | FVAL8946 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Missing Appraisal | Resolved-AVM received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. AVM uploaded - Seller-REDACTED <br>Open-PCI in file, but missing valuation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. AVM uploaded - Seller-REDACTED<br>| Resolved-AVM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73260690 C B A | Closed | FVAL2477 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Acknowledged-Document Uploaded. Exception waiver received to allow REDACTED cost to cure for a converted area (not deferred maintenance). - Due Diligence Vendor-REDACTED <br> Escalated-Escalated - Due Diligence Vendor-REDACTED <br> Counter-Any property with an outstanding cost to cure will have to have an approved exception or be under REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached REDACTED. This cure is not regarding deferred maintenance. - Seller-REDACTED <br> Counter-Comments noted. Cost to cure is REDACTED per appraiser on REDACTED. Maximum cost to cure per guidelines is REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. There is an unrecorded addition/conversion. The cost to cure is the estimated cost to restore the addition/conversion back to its original use. The appraiser explains this in the Additional Comments section REDACTED. - Seller-REDACTED <br> Open-Appraisal REDACTED indicated cost to cure, however, appraiser is marked as in with no conditions or requirements. Appraisal to be corrected or need comments from appraiser regarding cost to cure needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached REDACTED. This cure is not regarding deferred maintenance. - Seller-REDACTED <br> Ready for Review-Document Uploaded. There is an unrecorded addition/conversion. The cost to cure is the estimated cost to restore the addition/conversion back to its original use. The appraiser explains this in the Additional Comments section on REDACTED. - Seller-REDACTED | Acknowledged-Document Uploaded. Exception waiver received to allow REDACTED cost to cure for a converted area (not deferred maintenance). - Due Diligence Vendor-REDACTED |  | REDACTED DTI, Self-employed over REDACTED years, FICO REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 77859060 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title received. All items verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue 1. Final CD shows clearly REDACTED on title - REDACTED - being paid at close. Item REDACTED on title for REDACTED is not clear if these were paid as part of REDACTED or not. Updated title or final title opinion is required to verify REDACTED were paid and to reflect lender's coverage amount.<br> 2. Lender's coverage of REDACTED is missing from prelim title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final title received. All items verified. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77859060 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated 1008 attached, please see UW comments. - Seller-REDACTED <br> Open-Missing 1008/UW Approval Document 1008 REDACTED income comments do not match income calculation shown on 1008. REDACTED minus REDACTED expense ratio = REDACTED. UW comments state using REDACTED, but REDACTED is figure on 1008. Separate P&Ls are not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated 1008 attached, please see UW comments. - Seller-REDACTED<br>| Resolved-. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70130169 D A C | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see the correct doc attached - HOI Policy Dec Page - Seller-REDACTED <br>Counter-Hazard Insurance Authorization Disclosure received. The actual HOI declarations page with evidence of coverage is needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see the correct doc attached - HOI Policy Dec Page - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70130169 D A C | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Flood cert received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Flood cert received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70130169 D A C | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Open- - Due Diligence Vendor-REDACTED <br> Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Can you please provide a breakdown of REDACTED is coming from? - Seller-REDACTED <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded,REDACTED. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. A REDACTED WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED. THIS REDACTED WAS INCLUDED IN THE REIMBURSEMENT AMOUNT OF REDACTED DISCLOSED ON THE FINAL CD. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Can you please provide a breakdown of REDACTED is coming from? - Seller-REDACTED | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70130169 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Open- - Due Diligence Vendor-REDACTED <br> Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). NO REDACTED WERE DISCLOSED ON THE INITIAL LE. REDACTED WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN FILE. THERE WAS NO REDACTED DISCLOSED ON THE INITIAL LE. A REDACTED WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED. THIS REDACTED WAS INCLUDED IN THE REIMBURSEMENT AMOUNT OF REDACTED DISCLOSED ON THE FINAL CD. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72911133 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated lender title coverage received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated lender title coverage received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72125562 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 78919076 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79516113 C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received verifying funding date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PCCD uploaded. Loan funded on REDACTED - Buyer-REDACTED <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The date of disbursement from the final cd was REDACTED. The borrower changed and initialized the notice of the right to cancel to reflect the last day to cancel as REDACTED, the same date of the disbursement. No post close cd was located in the file. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-PCCD received verifying funding date - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79516113 C A | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved- - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Buyer-REDACTED <br>Open-Missing proof of appraisal delivery. (Delivery cannot be waived - HPML) - Due Diligence Vendor-REDACTED |  |  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74806794 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, dated after closing/disb date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing Missing REDACTED W2 transcripts required per guidelines for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received, dated after closing/disb date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 74806794 D B A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74806794 D B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Lenders title coverage amount received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing lenders coverage amount. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Lenders title coverage amount received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78365126 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Document Uploaded. REDACTED deed removing REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED <br> Open-Property is vested in REDACTED which is not an acceptable form of vesting. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED | Resolved-Document Uploaded. REDACTED deed removing REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78365126 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Fraud Guard- Debt monitoring REDACTED - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing Gap credit report is missing. Initial credit report in file is over REDACTED days old. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Guard- Debt monitoring REDACTED - Seller-REDACTED | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78365126 D A | Closed | FCOM5135 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Required Affiliated Business Disclosure Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Recent mtge statement attached for REDACTED - Seller-REDACTED <br> Counter-REDACTED - The finding should have stated the current mortgage statement within REDACTED days of the note date from REDACTED is missing (REDACTED). - Due Diligence Vendor-REDACTED <br> Ready for Review-Can you advise on the REDACTED where are you getting this information from? Thanks - Seller-REDACTED <br> Open-current mortgage statement within REDACTED days of closing is required. Mortgage statement from REDACTED is missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Recent mtge statement attached for REDACTED - Seller-REDACTED <br> Ready for Review-Can you advise on the REDACTED where are you getting this information from? Thanks - Seller-REDACTED | Resolved-Mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Evidence of property tax received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Evidence of property tax received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Preliminary title reflecting ALTA & lenders coverage policy received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Property Report - O&E received. Full ALTA title policy is required per guidelines. Please submit the preliminary/final ALTA title policy with lender's coverage equal to the loan amount. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is missing preliminary title commitment is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Preliminary title reflecting ALTA & lenders coverage policy received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated bank statement worksheets received showing a lower income amount of REDACTED per borrower (REDACTED). Using lower income amount from corrected bank statement worksheets. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED Income Calc sheets - Seller-REDACTED <br> Counter-Bank statement income worksheets are missing borrower name, business name, financial institution, account number used and balance information. One bank statement income worksheet for the business with the total income for both borrowers is needed as each borrower is a REDACTED owner. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-income worksheet on REDACTED is incomplete. Worksheet only lists bank statement balances. Missing actual income calculation and business expense factor - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Updated bank statement worksheets received showing a lower income amount of REDACTED per borrower (REDACTED). Using lower income amount from corrected bank statement worksheets. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Verification of business received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Verification of two years continuous self-employment with business licenses or CPA letter missing. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Verification of business received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-cash out letter is missing from file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74382352 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76025642 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 73735561 C A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Remainder of housing history verifed, lease information and verification of payments received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-12 months previous mortgage history or rental history is required. REDACTED months verified with current first mortgage. Prior REDACTED months missing from housing payment verification. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br>Resolved-Remainder of housing history verifed, lease information and verification of payments received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73735561 C A | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Comment update on appraisal received verifying property is no longer listed for sale. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED in file states that the property is currently listed for sale. This appears to be the previous listing date (REDACTED) from when borrowers purchased the home. Appraisal to be corrected & verification property is not listed for sale needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Comment update on appraisal received verifying property is no longer listed for sale. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70813544 D A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-W2s received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Escalated - Due Diligence Vendor-REDACTED <br>Counter-Transcripts cannot be used in place of W2s. Transcripts are used to verify W2. Two years W2s needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Transcripts attached TY - Seller-REDACTED <br>Counter-W2 & 1040 transcripts received, however they cannot be used in place of the actual two years of W2s. Two years W2s needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see 1040 Transcripts & w2 was attached to the other condition please swap them Thank you - Seller-REDACTED <br>Open-Borrower 1 W2/1099 Missing Missing prior two years W2s. WVOE does not state the actual years on the form. W2s required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Transcripts attached TY - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see 1040 Transcripts & w2 was attached to the other condition please swap them Thank you - Seller-REDACTED<br>| Resolved-W2s received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70813544 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED Report & cleared alerts attached TY - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED Report & cleared alerts attached TY - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70813544 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Transcripts attached - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing tax transcripts required for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Transcripts attached - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76410902 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 74011452 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 71874424 D A | Closed | finding-1228 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | State Reg | REDACTED Second Lien Prohibited Fees Test | Resolved-Refund of prohibited fee received - resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> A refund has been issued. Please see attached. <br> Thanks! - Buyer-REDACTED <br> Counter-LOE received. The REDACTED of REDACTED is not on the list of allowable fees to be charged in to the borrower in REDACTED per the regulation. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached LOE from the seller. <br> Thanks! - Buyer-REDACTED <br> Counter-COC received, however the fee that has caused the loan to fail REDACTED was a fee paid at closing on the Final CD which was the REDACTED of REDACTED. This fee was not allowed to be charged per the regulation. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks! - Buyer-REDACTED <br> Open-The REDACTED of REDACTED paid by the borrower to a title protection company is the fee that has caused the loan to fail. - Due Diligence Vendor-REDACTED <br> Open-This loan failed the second lien prohibited fees test.<br> (REDACTED)The loan does charge fee(s) not provided for in this act, which is prohibited.A secondary lender shall not contract for a broker's or finder's fee; commission; expense; fine; penalty; premium; or any other thing of value other than the charges authorized by this act.A secondary lender shall have authority to collect only the following:(1) no more than three discount points;(2) reasonable attorney fees at the time the execution of the loan;(3) title examination, abstract of title, survey, and title insurance;(4) credit report fee;(5) appraisal fee;(6) recording fees;(7) application fee;(8) returned check fee not to exceed $20, a late charge not to exceed 5% of the late payment, and(9) on open-end loans, the lesser of an annual fee of $50 or 1% or the line of credit. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Refund of prohibited fee received - resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71874424 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached cash out letter.<br> Thanks! - Seller-REDACTED <br>Open-Cash out letter not in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached cash out letter.<br> Thanks! - Seller-REDACTED<br>| Resolved-Cash out letter received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71874424 D A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached Homeownership Counselling Disclosure.<br> Thanks! - Buyer-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71874424 D A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. REDACTED DISCLOSED ON THE INITAL LE. REDACTED DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. THE REDACTED FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE REDACTED FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WERE LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71874424 D A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks! - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). REDACTED DISCLOSED ON THE INITAL LE. REDACTED DISCLOSED IN THE AMOUNT OFREDACTED ON THE FINAL CD. THE REDACTED WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE REDACTED INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WERE LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached COC.<br> Thanks! - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76756771 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Documentation received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing final CD and note for the refinance referenced on UW 1008 at REDACTED. Required to verify the PITIA included in DTI. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76756771 D B A | Closed | FCRE8946 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Income/Employment | Income documentation expiration dates | Acknowledged-Exception waiver received for CPA letter being greater than 60 days from note date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-1. CLEAR - Exception received for CPA letter. 2. CLEAR - Updated bank statement income and worksheet received. 3. STILL NEEDED - Updated business verification is required - documents in file are from REDACTED. A copy of the business license/Secretary of State status is required. (Exception form does not address this item.) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Based on application date, this loan is underwritten on the REDACTED guidelines. Income documentation must be within 60 days of the note date. 1. The CPA letter in file is greater than 60 days from the note date and is expired. 2. The last bank statement in file from REDACTED, is greater than 60 days from note date. An updated bank statement and lender income worksheet within 60 days of the note date is required. 3. Updated business verification is required - documents in file are from REDACTED. A copy of the business license/Secretary of State status is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Exception waiver received for CPA letter being greater than 60 days from note date - Due Diligence Vendor-REDACTED<br>|  | DTI REDACTED, self employed REDACTED years +. FICO REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 76756771 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Solar contract & verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title REDACTED - A copy of the solar energy contract on title with REDACTED is needed and a title supplement indicating the lien position of this mortgage will be ahead of the solar energy liens. Appraisal verifies this is leased solar. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Solar contract & verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76756771 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Cash Out Letter missing from file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72944792 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 73826024 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79669631 C A | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Corrected appraisal received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see revised appraisal with correct occupancy box checked. <br> Thanks! - Buyer-REDACTED <br>Open-INVESTMENT PROPERTY. APPRAISAL MARKED AS "OWNER" OCCUPIED. - Due Diligence Vendor-REDACTED |  | Resolved-Corrected appraisal received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74677393 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title received with lender coverage - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Lenders name and lenders insurance coverage amount is not present on preliminary title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated title received with lender coverage - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74677393 C A | Closed | FCRE1441 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Supplement verifying REDACTED balance received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Credit Supp showing REDACTED is paid in full - Seller-REDACTED <br> Open-Verification that REDACTED balance of REDACTED was paid in full and not delinquent at the time of closing. Account shows currently delinquent on UDM pg 533. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Supp showing REDACTED is paid in full - Seller-REDACTED | Resolved-Supplement verifying REDACTED balance received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72258315 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document Missing 1008 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72258315 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED attached - Seller-REDACTED <br> Open-Missing Third Party Fraud Report The required Third Party Fraud Report is missing and was not located in the file during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72258315 D A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. HOI attached - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy A Hazard Insurance Policy is required. However, no Hazard Insurance Policy was located in the file during review for the subject property. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOI attached - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77886684 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 71944275 D A | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Right to Rescind uploaded - Seller-REDACTED <br>Open-Right of Rescission is Missing THE NOTICE OF THE RIGHT TO CANCEL WAS NOT LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Right to Rescind uploaded - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71944275 D A | Closed | FCRE6019 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED <br> Resolved-Revised final 1003 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Revised Final 1003 uploaded. Borrower is REDACTED. - Seller-REDACTED <br> Open-Borrower 1 Citizenship Documentation Is Missing - Borrower 1 is REDACTED per Final 1003, however, the loan file is missing evidence of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Revised Final 1003 uploaded. Borrower is REDACTED. - Seller-REDACTED | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-REDACTED <br>Resolved-Revised final 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78945914 C B A | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached for check for cure for REDACTED, fed ex label, and PCCD with COC. I have also attached their funding worksheet that shows that REDACTED for recording increase was already sent at time of funding - Seller-REDACTED <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached for check for cure for REDACTED, fed ex label, and PCCD with COC. I have also attached their funding worksheet that shows that REDACTED for recording increase was already sent at time of funding - Seller-REDACTED | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78945914 C B A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached for check for cure for REDACTED, fed ex label, and PCCD with COC. I have also attached their funding worksheet that shows that REDACTED for recording increase was already sent at time of funding - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE APPRAISAL FEE INCREASED TO REDACTED ON THE FINAL CD. THE RECORDING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE RECORDING FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78945914 C B A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. See attached for check for cure for REDACTED, fed ex label, and PCCD with COC. I have also attached their funding worksheet that shows that REDACTED for recording increase was already sent at time of funding - Buyer-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE LOAN ORIGINATION FEE WAS ROUNDED TO THE NEAREST DOLLAR AMOUNT AS ALLOWED AND WAS DISCLOSED AS REDACTED ON THE REVISED LE. THE LOAN ORIGINATION FEE WAS THEN DISCLOSED AS REDACTED ON THE FINAL CD. THE APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE APPRAISAL FEE INCREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-PCCD, COC, & Check copy for cure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78945914 C B A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document received - statements within 60 days of note date received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated VOMs attached - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage statement dated REDACTED exceeds 60 days from Note REDACTED allowed by Guidelines for Senior Lien Documentation Requirements. page 407 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated VOMs attached - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document received - statements within 60 days of note date received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78945914 C B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Appraisal report reflects unpermitted bathroom cost to cure of REDACTED vs max amount of REDACTED allowed by guidelines. No value given to unpermitted bathroom. Lender provided guidelines exception allowing to process the loan despite the guideline violation based on the following compensating factors. page 1 - Due Diligence Vendor-REDACTED |  | Waived-Appraisal report reflects unpermitted bathroom cost to cure of REDACTED vs max amount of REDACTED allowed by guidelines. No value given to unpermitted bathroom. Lender provided guidelines exception allowing to process the loan despite the guideline violation based on the following compensating factors. page 1 - Due Diligence Vendor-REDACTED |  | CLTV of REDACTED vs. REDACTED program max, REDACTED mortgage history, REDACTED DTI vs. REDACTED max. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 79787880 C A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Stmt received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. mortgage statement REDACTED is dated REDACTED the statement needs to be within 60 days of Note date. mortgage statement expired REDACTED. Loan closed REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br>Resolved-Stmt received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79787880 C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINALC CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79787880 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76895059 D A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Lenders title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Title policy is missing lenders coverage amount. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Lenders title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76895059 D A C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Verification of PCCD delivery received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Unsigned PCCD received, however, verification the PCCD was sent to the borrower is needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. THE DATE OF DISBURSEMENT FROM THE FINAL CD WAS REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCEL. THE LAST DAY TO CANCEL FROM THE DISCLOSURE WAS THEN REDACTED, THE SAME DATE AS DISBURSEMENT. NO POST CD WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of PCCD delivery received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76895059 D A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated income worksheet received reflecting REDACTED. TPR using the final 1003 value of REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please disregard the income calculation worksheet sent, see attached correct one. - Seller-REDACTED <br> Open-The income worksheet provided reflects monthly payment of REDACTED vs REDACTED on Final 1003/1008. An updated worksheet is required. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please disregard the income calculation worksheet sent, see attached correct one. - Seller-REDACTED<br>| Resolved-Updated income worksheet received reflecting REDACTED. TPR using the final 1003 value of REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79444147 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached VVOE.<br> Thanks! - Buyer-REDACTED<br> Open-Borrower 1 3rd Party VOE Prior to Close Missing MISSING VVOE FOR BORROWER REDACTED WITHIN 10 DAYS OF NOTE DATE OF REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77524350 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 71448116 D A C | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence property taxes paid and not past due received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Uploaded taxes online and email from title. - Seller-REDACTED <br> Counter-Preliminary, unsigned CD received. Tax payment is not shown on the final CD from closing. Verification past due taxes have been paid prior to closing is required for any lien. The past due taxes are listed as an exception on the title report and must be verified as paid. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. here is the agents final cd Taxes paid prior to closing is not required to be on this cd. It is an Equity second loan. Taxes are handled on first loan. - Seller-REDACTED <br> Open-Verification delinquent property tax was paid prior to closing. Payment is not shown on final CD. (REDACTED & prelim title) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Uploaded taxes online and email from title. - Seller-REDACTED <br>Ready for Review-Document Uploaded. here is the agents final cd Taxes paid prior to closing is not required to be on this cd. It is an Equity second loan. Taxes are handled on first loan. - Seller-REDACTED<br>| Resolved-Evidence property taxes paid and not past due received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71448116 D A C | Closed | FCRE1339 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Bank Statements Missing | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-Statement for the REDACTED preceding the one statement submitted with the file has been received. REDACTED months of assets are now verified & documented in file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bank stmts are Quarterly so they cover REDACTED - Seller-REDACTED <br> Open-Borrower 1 Personal Bank Statements Missing REDACTED statements required for accounts used as asset depletion is required. A statement covering the most recent REDACTED is in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Bank stmts are Quarterly so they cover REDACTED - Seller-REDACTED | Resolved-Borrower 1 Personal Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-Statement for the REDACTED preceding the one statement submitted with the file has been received. REDACTED of assets are now verified & documented in file. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71448116 D A C | Closed | FVAL1628 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-HOA Documentation received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing HOA fees & documentation of HOA dues - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-HOA Documentation received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70567970 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender's coverage is missing from preliminary title. Lender's coverage should reflect REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79798348 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. Investor approval to proceed as is received. - Due Diligence Vendor-REDACTED <br> Counter-This condition cannot be waived based on the LOE. The cost to cure is still above guideline limits. An exception waiver form stating the exception, with compensating factors, and the approving underwriter name/e-signature is needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The attached LOE states the borrowers have moved back into the subject property as of REDACTED. They were renting while the subject was under construction. The appraisal was completed as-is, and the cost to cure is for landscaping and a deck that will be completed at a later date and does not impact the safety, structure or soundness of the property. <br>Can this be waived> Thank you - Seller-REDACTED <br> Open-Appraisal REDACTED shows a cost to cure of REDACTED. Max per guidelines is REDACTED. Pictures reflect vacancy, appraisal is marked vacant, appraisal is as-is but there is still construction going on per appraisal. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The attached LOE states the borrowers have moved back into the subject property as of REDACTED. They were renting while the subject was under construction. The appraisal was completed as-is, and the cost to cure is for landscaping and a deck that will be completed at a later date and does not impact the safety, structure or soundness of the property. <br>Can this be waived> Thank you - Seller-REDACTED | Resolved-Document Uploaded. Investor approval to proceed as is received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79798348 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Resolved based on borrower LOE, which is after appraisal effective date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. The attached LOE states the borrowers have moved back into the subject property as of REDACTED. They were renting while the subject was under construction. The appraisal was completed as-is, and the cost to cure is for landscaping and a deck that will be completed at a later date and does not impact the safety, structure or soundness of the property. <br>- Seller-REDACTED <br> Open-Missing 1008/UW Approval Document 1008 & DTI ratio to be updated to include current rent payment as verified on the VOR. Appraisal indicates the borrowers have not moved into the home yet. TPR DTI including rent payment is REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The attached LOE states the borrowers have moved back into the subject property as of REDACTED. They were renting while the subject was under construction. The appraisal was completed as-is, and the cost to cure is for landscaping and a deck that will be completed at a later date and does not impact the safety, structure or soundness of the property. <br>- Seller-REDACTED | Resolved-Resolved based on borrower LOE, which is after appraisal effective date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75783824 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 79157163 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 73480053 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Revised title commitment attached - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) The loan amount is REDACTED. There are no other Title report or supplement reports in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Revised title commitment attached - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73480053 D A C | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-ID on pg 2 received - resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. See attached USA Patriot Act Disclosure & Information Form. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. See attached USA Patriot Act Disclosure & Information Form. - Seller-REDACTED<br>| Resolved-ID on pg 2 received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71120403 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-First mortgage statement dated prior to note date & within 60 days of note date received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Mortgage statement - Seller-REDACTED <br> Counter-A credit supplement cannot be accepted in the place of the first mortgage statement within 60 days of the note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. credit supplement - Seller-REDACTED <br> Open-First mortgage statement in file is dated REDACTED, which is greater than 60 days from the note date. A first mortgage statement within 60 days of the note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Mortgage statement - Seller-REDACTED <br>Ready for Review-Document Uploaded. credit supplement - Seller-REDACTED<br>| Resolved-First mortgage statement dated prior to note date & within 60 days of note date received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71120403 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Acknowledged-Cash out LOE received. Business report verifying business in existence since REDACTED and is still active received. Business Report is dated REDACTED which is after closing and disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Business report and letter - Seller-REDACTED <br> Open-1. A letter from the borrowers accountant was received on REDACTED to verify that the company is still active and operational. However, it is more than 30 days old and therefore it is expired. <br>2. The letter from the accountant did not verify that the business has been operating for at least 2 years. There is no business license in the file or any other documents to verify that the borrower has been in business for at least 2 years. Verification of the business being in existence for at least 2 years is required.<br>3. There is no Cash out letter in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Business report and letter - Seller-REDACTED<br>| Acknowledged-Cash out LOE received. Business report verifying business in existence since REDACTED and is still active received. Business Report is dated REDACTED which is after closing and disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 71120403 D B A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document There is no 1008 or approval documentation in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1008 attached - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71120403 D B A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED Attached - Seller-REDACTED <br> Open-Missing Third Party Fraud Report There is no Fraud report in the file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED Attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76177658 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75995847 D A C | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75995847 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lenders title coverage and amount received - FTP - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) -- Title policy is missing lenders name and lender coverage amount. page 82 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lenders title coverage and amount received - FTP - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Acknowledged-Document Uploaded. Exception waiver for seasoning less than REDACTED and reserves less than REDACTED received. The property was initially purchased in REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED <br> Counter-Exception form signed by underwriter is dated REDACTED which is prior to application date. Please provide the updated exception form with corrected date of approval. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-The exception is noted, however, an exception waiver form with the approving underwriter and compensating factors is required to be in file along with the scenario exception request form. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. We were instructed that the exception was approved based on the REDACTED approved by REDACTED. See attached email chain that confirms exception was finalized. - Seller-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. We were instructed that the exception was approved based on the REDACTED approved by REDACTED. See attached email chain that confirms exception was finalized. - Seller-REDACTED | Acknowledged-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Acknowledged-Document Uploaded. Exception waiver for seasoning less than REDACTED and reserves less than REDACTED received. The property was initially purchased in REDACTED. Acknowledged. - Due Diligence Vendor-REDACTED |  | Dropping borrower total payment per month by REDACTED, borrower self-emp in same business for over REDACTED years, rate & term refi | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes |
| REDACTED |  | 79961122 D B A | Closed | FCRE1316 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Acknowledged-VVOE/verification of business received after closing & disbursement date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE missing, printout of business from REDACTED is greater than 30 days from note date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-VVOE/verification of business received after closing & disbursement date - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No |
| REDACTED |  | 79961122 D B A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-REDACTED first - piggyback CES - resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Due to being a REDACTED first we applied REDACTED seasoning requirement of REDACTED as the guidelines state to follow 1st lien requirements. Can you use this information to clear us up on this one? - Seller-REDACTED <br> Open-The REDACTED in the file on REDACTED only covers through REDACTED, which is more than the maximum of 90 days. - Due Diligence Vendor-REDACTED | Ready for Review-Due to being a REDACTED first we applied REDACTED seasoning requirement of REDACTED as the guidelines state to follow 1st lien requirements. Can you use this information to clear us up on this one? - Seller-REDACTED | Resolved-REDACTED first - piggyback CES - resolved. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCRE1198 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Assets verified as per REDACTED requirement - Due Diligence Vendor-REDACTED <br> Open-Piggyback CES required to meet first lien guideline requirements also (REDACTED). Verification of reserves of REDACTED required. Currently, bank statement for checking account only verifies REDACTED reserves. - Due Diligence Vendor-REDACTED |  | Resolved-Assets verified as per REDACTED requirement - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Preliminary Title received with new first lien noted - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is missing There is no Title located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Preliminary Title received with new first lien noted - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED from 1st mortgage refinance or verification of first mortgage investor needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 79961122 D B A | Closed | FCRE1764 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Final CD for new first mortgage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing final CD from close of first mortgage. (Note for first mortgage is in file.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final CD for new first mortgage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 77159566 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Cash Out LOE received dated after note/disbursement date - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds required by guidelines for cash-out refinance transactions. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Cash Out LOE received dated after note/disbursement date - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 77159566 D B A | Closed | FCRE1365 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Acknowledged-Transcripts received dated after closing & disbursement date - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 2 IRS Transcripts Missing Missing W-2 tax transcripts required for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received dated after closing & disbursement date - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 77159566 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received dated after closing & disbursement date - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing W-2 tax transcripts required for salaried borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Transcripts received dated after closing & disbursement date - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 77159566 D B A | Closed | FCOM1221 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Recorded copy received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-State/County compliance requirement - A recorded copy of the REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required with the recorded DOT/Mortgage - Property is in REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Recorded copy received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78528544 C A B | Closed | FCOM5771 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence of a required disclosure at application. | Resolved-Business purpose affidavit received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Business Purpose Affidavit/Disclosure - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Business purpose affidavit received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78528544 C A B | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Final title opinion verifying lender coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - - Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Final title opinion verifying lender coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597183 C A | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the reimbursement amount test. (12 CFR §1026.19(f)(2)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED. Refunds related to the good faith analysis. If amounts paid by the consumer exceed the amounts specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i) if the creditor refunds the excess to the consumer no later than 60 days after consummation, and the creditor complies with §1026.19(f)(1)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than 60 days after consummation. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597183 C A | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE REDACTED FEE WAS ADDED WITHOUT A COC. THE TOLERANCE CURE PROVIDED WAS THE AMOUNT DUE TO CURE FOR THE REDACTED INCREASE. TOLERANCE CURE DUE TO BORROWERS IN THE AMOUNT OF REDACTED - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597183 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE REDACTED FEE WAS ADDED WITHOUT A COC. THE TOLERANCE CURE PROVIDED WAS THE AMOUNT DUE TO CURE FOR THE REDACTED INCREASE. TOLERANCE CURE DUE TO BORROWERS IN THE AMOUNT OF REDACTED - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70597183 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title supplement verifying removal received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue Title page 198 reflects REDACTED with no additional documentation to clear. However, no judgment is reflected on credit and the 1003 does not reflect a payment for REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title supplement verifying removal received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71484415 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 70912091 C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC LE uploaded - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70912091 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC LE uploaded - Buyer-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76354690 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 71955747 D A | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received - resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated final 1003 attached - Buyer-REDACTED <br> Open-The Final 1003 is Incomplete <br> 1. Missing additional employment information for Borrower's other employment at REDACTED with monthly income of REDACTED<br> 2. Incorrect income amount of REDACTED stated for REDACTED employer in REDACTED vs REDACTED on income worksheet REDACTED. Borrower combined income from two employments with no information on the other employment on 1003 - Due Diligence Vendor-REDACTED |  | Resolved-Received - resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71955747 D A | Closed | FCRE1342 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-12 months business bank statements received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Bank statements attached - Seller-REDACTED <br> Open-Borrower 1 Business Bank Statements Missing - Lender qualified borrower using REDACTED months bank statement income of REDACTED from REDACTED to REDACTED per income worksheet, however, the loan file is missing bank statements from REDACTED to REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Bank statements attached - Seller-REDACTED<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br>Resolved-12 months business bank statements received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71955747 D A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Resolved-W2 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. W2 attached - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Missing REDACTED W2 from REDACTED missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. W2 attached - Seller-REDACTED<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br>Resolved-W2 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71955747 D A | Closed | FCRE5770 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. credit report attached - Buyer-REDACTED <br> Open-Borrower 1 Credit Report is Missing. Original credit report with REDACTED from REDACTED is not located in file. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Credit Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78454814 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED report and cleared alerts are attached to clear the file for funding - Seller-REDACTED <br> Open-Missing Third Party Fraud Report There is no fraud report located in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED report and cleared alerts are attached to clear the file for funding - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 72468358 C B A | Closed | FVAL2477 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Acknowledged-Exception in file to allow value as is on appraisal with the inclusion of solar panels in estimated value (value given to solar panels of REDACTED) with financing statement on title. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated exception form uploaded - Buyer-REDACTED <br> Counter-The exception form received doesn't address the solar panels being included in the valuation. Will you please provide an updated exception form addressing the solar panels being included in the appraisal valuation? - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED exception attached - Buyer-REDACTED <br> Open-Appraiser has considered the solar panels in the valuation on the appraisal which is not allowed (REDACTED). (Additional information - Title shows financing statement on owned solar panels which title company confirmed will be behind this lien and the first mortgage. The financed balance is not in CLTV, payment is in DTI.) - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception in file to allow value as is on appraisal with the inclusion of solar panels in estimated value (value given to solar panels of REDACTED) with financing statement on title. - Due Diligence Vendor-REDACTED |  | DTI REDACTED vs program max of REDACTED, REDACTED mortgage history on first mortgage | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 72468358 C B A | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-Exception waiver form in file to allow lack of further documentation aside from first mortgage statement for deferred principal balance of REDACTED & allow the deferred balance to remain open on first mortgage. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED exception attached - Buyer-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The first lien mortgage statement on REDACTED reflects REDACTED. There is no explanation no documentation provided for deferment in file which is needed. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception waiver form in file to allow lack of further documentation aside from first mortgage statement for deferred principal balance of REDACTED & allow the deferred balance to remain open on first mortgage. - Due Diligence Vendor-REDACTED |  | DTI REDACTED vs program max of REDACTED, REDACTED mortgage history on first mortgage | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 72468358 C B A | Closed | FCRE1195 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Acknowledged-Exception waiver in file to allow CLTV of REDACTED vs. program max of REDACTED due to unpaid deferred principal balance on first mortgage) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED Exception attached - Buyer-REDACTED <br> Open-Max CLTV is REDACTED and actual CLTV is REDACTED using balance from mortgage statement on REDACTED which matches gap credit. - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception waiver in file to allow CLTV of REDACTED vs. program max of REDACTED due to unpaid deferred principal balance on first mortgage) - Due Diligence Vendor-REDACTED |  | DTI REDACTED vs program max of REDACTED, REDACTED mortgage history on first mortgage | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 78507212 D B A | Closed | FCRE1964 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Acknowledged-Acknowledged, CPA letter dated after closing, verification of CPA received dated after closing, verification of business existence for over 2 years received, dated after closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Counter-CPA letter dated after closing - will be acknowledged. Still needed - 1. verification of CPA PTIN. TPR search revealed no preparers within REDACTED miles of CPA business address. 2. Verification of secretary of state filing for business. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. CPA Letter - The statement used on REDACTED is from the borrowers Tax Preparer, not a CPA or corporate accountant. There is no date on the letter, no CPA/CTEC #, no business address of the tax preparer - all required. Verification of the tax preparer shows no registration/official number and is a REDACTED printout.<br> 2. The Secretary of State filing on REDACTED is more than 30 days from note date and shows a filing due prior to note date. <br> 3. The CPA letter cannot be used as the VVOE because the CPA letter does not meet guideline requirements and does not have a date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Acknowledged-Acknowledged, CPA letter dated after closing, verification of CPA received dated after closing, verification of business existence for over 2 years received, dated after closing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 78507212 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Documentation showing the REDACTED UCC lien was the original lien continued to the REDACTED UCC lien provided. Verification that the UCC has been recorded as terminated received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Received - Recorded UCC-3 Termination Statement provided for the lien filed on REDACTED.<br>\*\*\*Still needed: There is no termination documentation provided for the other UCC Financing Statement that was filed on REDACTED. Final title opinion or a title supplement is required to verify both UCC liens are terminated or subordinated to this lien. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property Title Issue There are 2 UCC Financing statements on the Title. There was one UCC-3 Termination Statement provided (REDACTED) for the lien filed on REDACTED, but it is not recorded. There is no termination documentation provided for the other UCC Financing Statement that was filed on REDACTED. Final title opinion or a title supplement is required to verify both UCC liens are terminated or subordinated to this lien. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation showing the REDACTED UCC lien was the original lien continued to the REDACTED UCC lien provided. Verification that the UCC has been recorded as terminated received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79083410 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79083410 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. VVOE uploaded - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing There is no VVOE in the file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. VVOE uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77841090 B A | Closed | FCOM8804 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Loan program disclosure | Resolved-Business Purpose Affidavit received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-1. The Business Purpose Affidavit is not in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Business Purpose Affidavit received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75720603 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 75566452 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 73399774 D A C | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-REDACTED testing from TPR uploaded. Rebuttable Presumption verified. REDACTED, REDACTED as required, meets loan amount & CLTV guidelines. - Due Diligence Vendor-REDACTED <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br> Open-Loan is a HPML per TPR compliance testing and per lender Mavent. HPML requires a full 1004 which cannot be waived. AVM & PCR used as property valuation. - Due Diligence Vendor-REDACTED |  | Resolved-REDACTED testing from TPR uploaded. Rebuttable Presumption verified. REDACTED, REDACTED as required, meets loan amount & CLTV guidelines. - Due Diligence Vendor-REDACTED <br> Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE TITLE UPDATE FEE AND WIRE TRANSFER FEE WERE ADDED IN SECTION C WITHOUT A CHANGE IN CIRCUMSTANCE CAUSING THE 10% TOLERANCE ISSUE. NO CIC OR TOLERANCE CURE LISTED. REDACTED DUE TO BORROWERS TO CURE - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved- - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. CPA letter attached to go with FVOE - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE reflects business verified with CPA Letter, however, no CPA letter in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. CPA letter attached to go with FVOE - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1325 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. CPA letter attached - Seller-REDACTED <br>Open-Borrower 1 CPA Letter Missing VVOE reflects Other Third Party Source for the verification of business is CPA letter, however, the loan file is missing CPA letter - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. CPA letter attached - Seller-REDACTED<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. IRS tax transcripts attached - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing 1040 tax transcripts required self employed borrowers - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. IRS tax transcripts attached - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED <br> Resolved-. - Due Diligence Vendor-REDACTED <br> Resolved-Income documentation on retirement and pension received. P&L not required. Self employment income removed. No evidence of loss. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-REDACTED <br> Counter-Document Uploaded. 1008 received. TPR DTI & income calc do not match lender. Requested lender revised income worksheet for pension and SS income. - Due Diligence Vendor-REDACTED <br> Counter-1003 removing self employment income received, however DTI is now at REDACTED, which is outside guidelines max of REDACTED. An updated 1008 was not received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Executed 1003 with no self employment - Seller-REDACTED <br> Counter-A revised, unsigned 1003 removing borrower self-employment income received along with the same social security statement and annuity statement from file. Either the YTD P&L to verify borrower self-employment income is needed or a borrower signed, revised 1003 and updated 1008 for approval with updated DTI are required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. borrower doesn't need self employment to qualify - Seller-REDACTED <br> Open-Borrower 1 YTD Profit & Loss Missing Missing YTD P&L required by guidelines to support the REDACTED years tax returns provided - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Executed 1003 with no self employment - Seller-REDACTED <br>Ready for Review-Document Uploaded. borrower doesn't need self employment to qualify - Seller-REDACTED<br>| Resolved-Borrower 1 YTD Profit & Loss Provided - Due Diligence Vendor-REDACTED <br>Resolved-. - Due Diligence Vendor-REDACTED <br>Resolved-Income documentation on retirement and pension received. P&L not required. Self employment income removed. No evidence of loss. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1173 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-REDACTED Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Master policy included in the condo docs. - Seller-REDACTED <br> Counter-The master condo insurance policy is needed. REDACTED received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Current Homeowners policy - Seller-REDACTED <br> Open-Missing REDACTED Master Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Master policy included in the condo docs. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Current Homeowners policy - Seller-REDACTED<br>| Resolved-REDACTED Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1176 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-REDACTED Insurance Policy Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or REDACTED Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-REDACTED <br> Resolved-Current REDACTED policy received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. homeowners insurance policy currently - Seller-REDACTED <br> Open-REDACTED Insurance Policy Effective Date of REDACTED is after the Note Date of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. homeowners insurance policy currently - Seller-REDACTED<br>| Resolved-REDACTED Insurance Policy Effective Date of REDACTED is prior to or equal to the Note Date of REDACTED Or REDACTED Insurance Policy Effective Date Is Not Provided - Due Diligence Vendor-REDACTED <br> Resolved-Current REDACTED policy received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | finding-3635 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-REDACTED <br> Resolved- - Due Diligence Vendor-REDACTED <br> Ready for Review-These two REDACTED fees are not in 10% tolerance category.They go in REDACTED and <br>REDACTED was disclosed on LE <br> REDACTED<br> - Seller-REDACTED <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% (REDACTED) exceed the comparable charges (REDACTED) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). THE REDACTED FEE AND REDACTED FEE WERE ADDED REDACTED WITHOUT A CHANGE IN CIRCUMSTANCE CAUSING THE 10% TOLERANCE ISSUE. NO CIC OR TOLERANCE CURE LISTED. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-These two REDACTED fees are not in 10% tolerance category.They go in REDACTED and <br>REDACTED was disclosed on LE <br> REDACTED<br> - Seller-REDACTED | Resolved- - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE4805 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. legal Trust attached - Seller-REDACTED <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust Agreement - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. legal Trust attached - Seller-REDACTED<br>| Resolved-Trust documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Cash out LOX attached - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash out transaction on subject property - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Cash out LOX attached - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73399774 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED report attached - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED report attached - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 75383241 C A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved- RCE with date, property address, & replacement values received. Coverage is adequate for replacement cost coverage. - Due Diligence Vendor-REDACTED <br> Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED. RCE with date, property address, & replacement values received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached EOI and RCE. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Hazard Insurance Coverage (pages 76, 79) is combined total of REDACTED. Total liens amount is REDACTED. RCE documentation in the file (pages 78,81) does not include an estimate date or identifying information for the insurance company. Evidence of increased dwelling coverage amount or an official, current RCE is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached EOI and RCE. - Seller-REDACTED<br>| Resolved- RCE with date, property address, & replacement values received. Coverage is adequate for replacement cost coverage. - Due Diligence Vendor-REDACTED <br> Resolved-Hazard Insurance Coverage Amount of REDACTED is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of REDACTED. RCE with date, property address, & replacement values received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 73694909 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 76149874 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-Received 1008- TPR LTV matches lender. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. See comments on page 2. the solar lien is being paid through this transaction. <br> Thanks! - Buyer-REDACTED <br> Open-Missing 1008/UW Approval Document 1008/UW Approval Document as required. The 1008/UW Approval Document is missing. \*\*Note - TPR CLTV is REDACTED - solar financed balanced included in CLTV because the solar panels are owned and the appraiser gave them value on the appraisal. <br> - Due Diligence Vendor-REDACTED |  | Resolved-Received 1008- TPR LTV matches lender. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77854407 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Cash out LOE required per guidelines received dated after note & disbursement date. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Please see attached signed LOE - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash-out refinance transaction required by guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached signed LOE - Seller-REDACTED<br>| Acknowledged-Cash out LOE required per guidelines received dated after note & disbursement date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 77392137 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Acknowledged-Cash out LOE as required by guidelines received dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Cash-out explanation letter - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash out transactions required by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Cash-out explanation letter - Seller-REDACTED<br>| Acknowledged-Cash out LOE as required by guidelines received dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 77392137 D B A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Received income wksht - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Full Income Calculation - Seller-REDACTED <br> Counter-1008 received with calculation of REDACTED, however, this is REDACTED. A complete lender income worksheet is required. TPR unable to verify where lender annual figure of REDACTED was derived from. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing lender's income worksheet required by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED Calculation - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Resolved-Received income wksht - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77392137 D B A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED attached with cleared alerts - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED attached with cleared alerts - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77392137 D B A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. HOI policy docs attached - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOI policy docs attached - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77392137 D B A | Closed | FCRE9000 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Mortgage Statement | Resolved-Mortgage Statement received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. attached is mortgage stmt - Seller-REDACTED <br>Open-Missing first mortgage statement dated within 60 days of note date. Missing mortgage statement for subject property or supporting documentation to verify first lien loan terms - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. attached is mortgage stmt - Seller-REDACTED<br>| Resolved-Mortgage Statement received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77392137 D B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Title Report attached updated info re: first Mtge - Seller-REDACTED <br>Open-Title report (pg 268) indicates payment and cancellation of first mortgage is required. This is a 2nd lien transaction. Title report to be updated showing first mortgage remains open. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Title Report attached updated info re: first Mtge - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77392137 D B A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 Attached - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1008 Attached - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74138850 D A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy in effect at closing/disbursement received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. HOI uploaded - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy Policy dec page for REDACTED is in file. Current homeowners insurance as of note date is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. HOI uploaded - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy in effect at closing/disbursement received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74138850 D A | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Resolved-Right to Rescind received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Right of Recission uploaded - Seller-REDACTED <br>Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Right of Recission uploaded - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br>Resolved-Right to Rescind received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED<br> Resolved-Received the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Anti-Predatory Recorded Certificate - Seller-REDACTED <br> Counter-Email from title company is received. A copy of the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required for file documentation. This is a state regulatory requirement that cannot be waived. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached email from title, stating that the document is still out for recording. Can we clear this condition and once we receive the recorded copy I will send it over to you? - Seller-REDACTED <br> Counter-Unrecorded copy received. This is a second lien mortgage and the recorded copy is a requirement. A copy of the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Should be exempt considering it is a REDACTED. Please review. - Seller-REDACTED <br> Open-Subject property is in REDACTED. A copy of the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Anti-Predatory Recorded Certificate - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see attached email from title, stating that the document is still out for recording. Can we clear this condition and once we receive the recorded copy I will send it over to you? - Seller-REDACTED <br> Ready for Review-Document Uploaded. Should be exempt considering it is a REDACTED. Please review. - Seller-REDACTED | Resolved-Property Title Issue Resolved - Due Diligence Vendor-01/14/2026 <br> Resolved-Received the recorded REDACTED Anti-Predatory Lending Database Program Certificate of Compliance - resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Asset depletion from lender received. File updated to lower income amount as shown on lender worksheet. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. asset depletion calc - Seller-REDACTED <br>Counter-SS & pension income noted on 1008. Asset depletion income requires lender asset depletion income worksheet. Only total is stated on 1008. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 with income calc included - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. asset depletion calc - Seller-REDACTED <br>Ready for Review-Document Uploaded. 1008 with income calc included - Seller-REDACTED<br>| Resolved-Asset depletion from lender received. File updated to lower income amount as shown on lender worksheet. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCOM1265 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-Death certificate for non-borrower on title received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. non-borrower on titles death certificate. - Seller-REDACTED <br> Open-1. Per title documents REDACTED there is a non-borrower on title. No right of rescission for was located for the Non-borrowing title holder. 2. The non-borrowing title holder is not listed on the Deed of Trust REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. non-borrower on titles death certificate. - Seller-REDACTED<br>| Resolved-Death certificate for non-borrower on title received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 with income calc included - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document MISSING THE 1008. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1008 with income calc included - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mtg stmt received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. VOM - Seller-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. There is no VOM in the file. Most recent first mortgage statement for the subject property is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. VOM - Seller-REDACTED<br>| Resolved-Mtg stmt received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Cash-out explanation - Seller-REDACTED <br>Open-The letter of explanation for cash-out was not found in the file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Cash-out explanation - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71739954 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Fraud Report - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Fraud Report - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78580544 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Legible fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached legible version.<br> Thanks! - Buyer-REDACTED <br>Open-Fraud report (pg 81) is cut off. Please submit the fraud report full pages for the file. - Due Diligence Vendor-REDACTED |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Legible fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 73214175 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76047906 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 77736912 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Mortgage stmt within 60 days of note date received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Mortgage Statement uploaded - Seller-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement in file dated REDACTED exceeds 60 days allowed by Guidelines from Note dated REDACTED. page 217/260, 62/120 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Mortgage Statement uploaded - Seller-REDACTED<br>| Resolved-Mortgage stmt within 60 days of note date received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77736912 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Gap credit report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 77736912 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Income worksheet uploaded - Seller-REDACTED <br>Open-MIssing lender income worksheet/comments on income used - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Income worksheet uploaded - Seller-REDACTED<br>| Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78998269 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title supplement received verifying lenders title coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender's name & lender coverage of REDACTED is missing from preliminary title<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title supplement received verifying lenders title coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78998269 D A | Closed | FCRE1168 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Resolved-RCE received - coverage sufficient - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED 1ST AND 2ND MTGS COMBINED= REDACTED CURRENT DWELLING COVERAGE REDACTED. RCE on REDACTED. DWELLING COVERAGE IS INSUFFICIENT. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-RCE received - coverage sufficient - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78998269 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document 1008 is missing from loan file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70281256 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDN received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing Credit report is more than 30 days from Note date of REDACTED. Gap report is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDN received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70281256 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED for REDACTED received w/cancelled checks & prior REDACTED statement. New mortgage reported opened REDACTED. REDACTED months verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. PRIMARY RESIDENCE REDACTED 1ST MORTGAGE REPORTS FOR REDACTED MONTHS PAID AS AGREED. REDACTED MONTHS REQUIRED. PREVIOUS PRIMARY (REDACTED)WAS SOLD ON REDACTED AND PAID OFF REDACTED AND REDACTED-WHICH ARE NOT REFLECTED ON CREDIT REPORT. CD from sale of REDACTED is on pg 592 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-REDACTED for REDACTED received w/cancelled checks & prior REDACTED statement. New mortgage reported opened REDACTED. REDACTED months verified. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70281256 D A | Closed | FCOM1224 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-Condo rider received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Condo rider received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70281256 D A | Closed | FCRE6389 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Credit score not provided | Resolved-Credit report verified in file, resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hello, please refer to REDACTED on our upload, it is the credit report ordered REDACTED, REDACTED that shows REDACTED credit scores (REDACTED). please waive this condition. Thank you - Seller-REDACTED <br> Open-credit report reflects only REDACTED credit score and guidelines require at least REDACTED credit scores - Due Diligence Vendor-REDACTED | Ready for Review-Hello, please refer to REDACTED on our upload, it is the credit report ordered REDACTED, REDACTED that shows REDACTED credit scores (REDACTED). please waive this condition. Thank you - Seller-REDACTED  | Resolved-Credit report verified in file, resolved. - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 78099991 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 78037908 D A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-REDACTED W2s missing for REDACTED c - Due Diligence Vendor-REDACTED |  | Resolved-Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74243446 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing VVOE within 10 days of Note date is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74243446 D A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals REDACTED) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing VVOE within 10 days of Note date is missing. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals REDACTED) - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 74722386 C B A | Closed | FCRE5790 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Acknowledged-Exception waiver received to allow gap credit report dated REDACTED days from note date vs REDACTED days per REDACTED guidelines based on app date. Guidelines updated to allow within 30 days in later release. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception. Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than REDACTED days from Closing/Settlement Date). Gap credit report in file being REDACTED days from Note exceeds REDACTED days allowed by Guidelines dated REDACTED - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception waiver received to allow gap credit report dated REDACTED days from note date vs REDACTED days per REDACTED guidelines based on app date. Guidelines updated to allow within 30 days in later release. - Due Diligence Vendor-REDACTED |  | CLTV REDACTED vs. max for program of REDACTED %, no mortgage lates in last REDACTED months, borrower has owned subject property for REDACTED years. | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 74722386 C B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Preliminary Title showing lender and coverage amount received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing lender listed as proposed insured and coverage amount page 563 - Due Diligence Vendor-REDACTED |  | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Preliminary Title showing lender and coverage amount received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 74722386 C B A | Closed | FCRE1437 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Missing REDACTED 1099-R Tax transcript for REDACTED as it appears it was not reported REDACTED. The REDACTED Form 1099 transcript is in file, as well as copies of the REDACTED and REDACTED Form 1099. Extension was filed for REDACTED personal returns. REDACTED returned "No Record Found" for REDACTED Form 1040. Lender provided guidelines exception approval to utilize the income based on the following compensating factors. page 1 - Due Diligence Vendor-REDACTED |  | Waived-Income and Employment Do Not Meet Guidelines Missing REDACTED 1099-R Tax transcript for REDACTED as it appears it was not reported REDACTED. The REDACTED Form 1099 transcript is in file, as well as copies of the REDACTED and REDACTED Form 1099. Extension was filed for REDACTED personal returns. REDACTED returned "No Record Found" for REDACTED Form 1040. Lender provided guidelines exception approval to utilize the income based on the following compensating factors. page 1 - Due Diligence Vendor-REDACTED |  | CLTV REDACTED vs. max for program of REDACTED %, no mortgage lates in last REDACTED months, borrower has owned subject property for REDACTED years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 74722386 C B A | Closed | FPRO1245 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Property | Appraisal | Appraisal is Expired | Waived-Primary Value Appraisal is Expired Appraisal report dated REDACTED expired on REDACTED (REDACTED days late), however, lender provided guidelines exception approval allowing to use recertification of value dated REDACTED based on the following compensating factors. Page 1 - Due Diligence Vendor-REDACTED |  | Waived-Primary Value Appraisal is Expired Appraisal report dated REDACTED expired on REDACTED (REDACTED days late), however, lender provided guidelines exception approval allowing to use recertification of value dated REDACTED based on the following compensating factors. Page 1 - Due Diligence Vendor-REDACTED |  | CLTV REDACTED vs. max for program of REDACTED %, no mortgage lates in last REDACTED months, borrower has owned subject property for REDACTED years. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 72077813 C B A | Closed | FCRE1160 | REDACTED | REDACTED | Resolved | 1 - Information B A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance verification effective note date received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Property hazard insurance effective date is REDACTED. Disbursement date of loan is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance verification effective note date received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72077813 C B A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Signed quit claim deed received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Signed quit claim deed needed for file documentation - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Signed quit claim deed received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72077813 C B A | Closed | FCRE1195 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Loan CLTV of REDACTED exceeds guidelines CLTV of REDACTED allowed for REDACTED unit properties. Guidelines exception approval allowing to process the loan with the following compensating factors: REDACTED - Due Diligence Vendor-REDACTED |  | Waived-Loan CLTV of REDACTED exceeds guidelines CLTV of REDACTED allowed for REDACTED unit properties. Guidelines exception approval allowing to process the loan with the following compensating factors REDACTED - Due Diligence Vendor-REDACTED |  | REDACTED DSCR, REDACTED requirement, REDACTED months reserves, REDACTED required, REDACTED FICO, REDACTED required |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 78515459 D A C | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. WVOE uploaded - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require verbal VOE from each employer within 10-days of the note date for wage and salaried employees. However, no verbal VOE within 10-days of the note date for wage and salaried borrower was located in the file during review. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. WVOE uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78515459 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC uploaded - Buyer-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78515459 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. COC uploaded - Buyer-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). POINTS WERE DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. PINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE1365 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED w2 transcripts - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing REDACTED w2 transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED w2 transcripts - Seller-REDACTED | Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE1371 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 2 Personal Bank Statements Less Than 12 Months Provided | Resolved-Oct stmt received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED REDACTED statement - Seller-REDACTED <br> Counter-This is REDACTED months of statements. Statement REDACTED is REDACTED. The REDACTED statement is REDACTED through REDACTED. We have complete months for REDACTED. The REDACTED complete statement ending REDACTED is needed to equal REDACTED months of assets. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. here i combined with REDACTED, this is REDACTED months assets. - Seller-REDACTED <br> Ready for Review-if you already had REDACTED, and I had given you REDACTED, that would be REDACTED months of assets. - Seller-REDACTED <br> Counter-REDACTED statement received. Total of REDACTED of asset statements in file. REDACTED months is required. An additional monthly statement is needed for REDACTED asset depletion account. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED <br> Open-ASSET DEPLETION USED AS INCOME. REDACTED STATEMENTS PROVIDED FOR REDACTED. REDACTED MONTHS STATEMENTS ARE REQUIRED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED REDACTED statement - Seller-REDACTED <br> Ready for Review-Document Uploaded. here i combined with REDACTED, this is REDACTED months assets. - Seller-REDACTED <br> Ready for Review-if you already had REDACTED, and I had given you REDACTED, that would be REDACTED months of assets. - Seller-REDACTED <br> Ready for Review-Document Uploaded. REDACTED plan - Seller-REDACTED | Resolved-REDACTED stmt received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE1341 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | Resolved-An additional month account statement received for B1 asset depletion. Account statements total REDACTED months statements. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED <br> Open-ASSET DEPLETION USED AS ADDITIONAL INCOME. REDACTED STATEMENTS PROVIDED FOR REDACTED AND REDACTED, REDACTED MONTHS ASSET STATEMENTS ARE REQUIRED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED | Resolved-An additional month account statement received for B1 asset depletion. Account statements total REDACTED months statements. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE0360 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Please refer to guidelines section REDACTED - Senior Lien Documentation Requirements which references the requirement for a first mortgage statement within 60 days of the note date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Mortgage statement provided is not expired per guidelines, i have attached a photo of the guidelines for you to refer too. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. MORTGAGE STATEMENT FOR SUBJECT PROPERTY IS DATED REDACTED AND NOTE DATE IS REDACTED, UPDATED MORTGAGE STATEMENT IS REQUIRED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Mortgage statement provided is not expired per guidelines, i have attached a photo of the guidelines for you to refer too. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-This is REDACTED, REDACTED is on title only. We included the note and mortgage to show REDACTED is not responsible for payment on this property. - Seller-REDACTED <br> Open-MORTGAGE STATEMENT AND NOTE PROVIDED REDACTED IS IN THE NAME OF REDACTED FOR PROPERTY AT REDACTED. BORROWER 2 SHOWS PROPERTY AS REDACTED ON 1003. MORTGAGE PAYMENT WAS NOT INCLUDED IN DTI AND NO EXPLANATION WAS FOUND IN FILE. - Due Diligence Vendor-REDACTED | Ready for Review-This is REDACTED, REDACTED is on title only. We included the note and mortgage to show REDACTED is not responsible for payment on this property. - Seller-REDACTED | Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. 1008 - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document MISSING THE 1008. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 1008 - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 75533668 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED for borrower - Seller-REDACTED <br> Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED for borrower - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79048000 D A C | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received - REDACTED account statement for the account with REDACTED that is missing dated REDACTED. TPR asset depletion verified - IRA statements REDACTED received. REDACTED, REDACTED months statements received.REDACTED/month, REDACTED. Total is REDACTED. DTI REDACTED. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached missing documents. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see attached<br> REDACTED<br> REDACTED<br> Total: REDACTED/m is more than used to qualify. <br> - Seller-REDACTED <br> Counter-REDACTED account statement in file ending REDACTED is within REDACTED days per REDACTED guidelines. We are missing the statement from REDACTED, so that is still needed. The amount verified on the most recent statement is REDACTED. (App date is REDACTED, so REDACTED guidelines are used to underwrite this loan. Asset depletion in REDACTED guidelines is REDACTED). Lender has included REDACTED/month in "other" income that is not documented. Lender income calculation worksheet is needed. Asset statements if there is another asset used for asset depletion needed. In file & verified is REDACTED in the amount of REDACTED/month. Lender to advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached explanation from REDACTED. We are working on getting the statement fromREDACTED. - Seller-REDACTED <br> Open-"Other" income in the amount of REDACTED for asset depletion was used to qualify. REDACTED months statements are required for useable assets. REDACTED statement for REDACTED is missing from file. Additionally need most recent statement for this account beginning REDACTED. - Due Diligence Vendor-REDACTED | REDACTED - REDACTED months IRA statements REDACTED received. REDACTED REDACTED statements received. REDACTED/month. DTI will be above REDACTED without additional documentation for asset depletion. Items still needed: 1. Lender Income Calculation Worksheet (documented, not in comments) for all asset depletion accounts used. 2. REDACTED account statement for the account with REDACTED that is missing dated REDACTED, which is required to have REDACTED months statements in file. If lender is not obtaining the missing statement, a completed, signed exception form with compensating factors is required. 3. Updated 1008 if REDACTED per month in asset depletion/other income is not verified. - REDACTED <br>Ready for Review-Document Uploaded. Attached missing documents. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see attached<br> REDACTED<br> REDACTED<br> Total: REDACTED /m is more than used to qualify. <br> - Seller-REDACTED <br> Ready for Review-Document Uploaded. Please see attached explanation from REDACTED. We are working on getting the statement from REDACTED. - Seller-REDACTED | Resolved-Received - REDACTED account statement for the account with REDACTED that is missing dated REDACTED. TPR asset depletion verified - IRA statements REDACTED received. REDACTED, REDACTED months statements received.REDACTED/month, REDACTED. Total is REDACTED. DTI REDACTED. Resolved. - Due Diligence Vendor-REDACTED  |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79048000 D A C | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-LE and Change of Circumstance - Seller-REDACTED <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. THE CREDIT REPORT FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO REDACTED ON THE FIANL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-LE and Change of Circumstance - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79048000 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. LE and Change of Circumstance - Seller-REDACTED <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is REDACTED .Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). THE CREDIT REPORT FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE CREDIT REPORT FEE INCREASED TO REDACTED ON THE FIANL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LE and Change of Circumstance - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79048000 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED <br> Open-Missing Third Party Fraud Report FRAUD REPORT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED - Seller-REDACTED | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 76223204 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title with lender coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Lender name as proposed insurance and lender coverage amount is not stated on preliminary title report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final Title with lender coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76223204 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Verification of tax payment received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Title report indicates that the Property Taxes are "Open" and there is no evidence that the taxes were paid current prior to close. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Verification of tax payment received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 76223204 D A | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-US Patriot Act verification received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-US Patriot Act verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72311424 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of REDACTED payment received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Sorry about that not sure why it didn't upload, see attached. - Seller-REDACTED <br> Counter-Copy of note and first payment letter received. Bank statement verifying payment not received. Please provide proof of payment to complete housing history verification. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Borrower's Bank Statement showing payment made for REDACTED - Seller-REDACTED <br> Counter-No doc attachments received, however, VOM for REDACTED is the item needed. Verification of the REDACTED payment made is required. REDACTED loan closed REDACTED , first payment due date was REDACTED, before this loan funded. To complete the REDACTED months of required primary residence housing history payments, the REDACTED payment confirmation is needed.<br>(Note - REDACTED) - Due Diligence Vendor-REDACTED <br> Ready for Review-PROOF OF REDACTED PAYMENT WAS NOT AVAILIABLE YET AT THE TIME OF FUNDING, AS IT CLOSED IN REDACTED . See attached final settlement statement, NOTE, and EOI for REDACTED . - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing primary residence VOM with REDACTED , balance of REDACTED - not reporting on updated credit refresh. (Prior primary history with REDACTED on property that is now REDACTED property.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Sorry about that not sure why it didn't upload, see attached. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Borrower's Bank Statement showing payment made for REDACTED - Seller-REDACTED <br> Ready for Review-PROOF OF REDACTED PAYMENT WAS NOT AVAILIABLE YET AT THE TIME OF FUNDING, AS IT CLOSED IN REDACTED . See attached final settlement statement, NOTE, and EOI for REDACTED. - Seller-REDACTED | Resolved-Verification of REDACTED payment received. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 72311424 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Verification of lenders title coverage received. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Lender name and insurance coverage not located on title or supplemental update - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Verification of lenders title coverage received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Resolved-Tax cert received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Evidence of Property Tax Missing supporting documentation to verify property tax amount of REDACTED monthly per Final 1003. page 627 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax cert received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE1326 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-P&L received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 YTD Profit & Loss Missing Missing Current YTD P&L (REDACTED), or REDACTED months bank statements to support tax return per Guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-P&L received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE5790 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED <br> Resolved-UDN received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Gap credit report exceeds REDACTED days allowed by guidelines. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not expired. - Due Diligence Vendor-REDACTED <br>Resolved-UDN received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE1173 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-REDACTED Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Master policy received - Due Diligence Vendor-REDACTED <br> Open-Missing REDACTED Master Insurance Policy - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing REDACTED Master Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-REDACTED Master Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Resolved-Master policy received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Flood cert received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Flood Certificate - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Resolved-Flood cert received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71697976 D A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-EIN received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing business EIN - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-EIN received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 71449019 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79959102 D A C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Loan is a HPML. Appraisal delivery cannot be waived on a HPML loan. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79959102 D A C | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Evidence of Property Tax Missing documentation to verify property tax amount of REDACTED per REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79959102 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Copy of grant deed received verifying vesting - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Vesting is to REDACTED and REDACTED . DOT for this lien signed as REDACTED and REDACTED. Updated title reflecting new vesting or quit claim deed changing vesting is needed. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Copy of grant deed received verifying vesting - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79959102 D A C | Closed | FCOM9963 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79959102 D A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Income Worksheet Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing lender's income worksheet required by guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lender Income Worksheet Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 79959102 D A C | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds required by guidelines for cash-out refinance transactions - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 70452938 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 79840025 D A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Resolved-HOI verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided COVERAGE NEEDS TO COVER FIRST AND 2ND MORTGAGES=REDACTED COVERAGE IS REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br>Resolved-HOI verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79840025 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Evidence attached Note, HOI, title not in borrower name. - Seller-REDACTED <br>Open-Verification that borrower is not responsible for primary residence payment is needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Evidence attached Note, HOI, title not in borrower name. - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79840025 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. LOE attached - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. LOE attached - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 79840025 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing B IS SELF EMPLOYED, MISSING VVOE AND/OR PROOF BUSINESS IS OPEN AND OPERATING IN GOOD STANDING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71297585 D A | Closed | FCRE5782 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 71590691 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. The loan processor did a manually VVOE for the borrower. VVOE uploaded - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Equifax verification is more than 10 days from note date. VVOE within 10 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The loan processor did a manually VVOE for the borrower. VVOE uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 71590691 D A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. The loan processor did a manual VVOE. - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Equifax verification is more than 10 days from note date. VVOE within 10 days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. The loan processor did a manual VVOE. - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 70934919 C B A | Closed | FCRE0360 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Acknowledged-Exception received to allow mortgage statement older than 60 days from note date vs. guideline requirement of within 60 days at closing. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this. Please see attached. <br> Thanks! - Buyer-REDACTED <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage statement dated REDACTED exceeds 60 days allowed by Guidelines from Note dated REDACTED. page 68,741 - Due Diligence Vendor-REDACTED |  | Acknowledged-Exception received to allow mortgage statement older than 60 days from note date vs. guideline requirement of within 60 days at closing. - Due Diligence Vendor-REDACTED<br>|  | LTV REDACTED vs. program max of REDACTED , DTI REDACTED vs. program max of REDACTED , REDACTED FICO | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 76044339 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 78777061 D A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. title - Seller-REDACTED <br>Open-Title Document is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. title - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78777061 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash Out letter received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. cash out letter - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash-out refinance transactions required by guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. cash out letter - Seller-REDACTED<br>| Resolved-Cash Out letter received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78777061 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Verification of business received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. verification of business - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. verification of business - Seller-REDACTED<br>| Resolved-Verification of business received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 78777061 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED statement - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing first mortgage statement dated within 60 days of note date - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED statement - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 77331232 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** |
| REDACTED |  | 71031229 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72099373 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79698702 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72735251 | REDACTED | A | A | A C B | A | A | A B |
| REDACTED |  | 70643655 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75184418 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 70621916 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 73067787 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 77748085 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 70785718 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79846109 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76330005 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79837714 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77414634 | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
| REDACTED |  | 70839826 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70831348 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79216054 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 71464262 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 74554265 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 71359136 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79225441 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 77032013 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74823396 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 78658448 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74952517 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 75105710 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79916897 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77209510 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 72785111 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 73053102 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 77890199 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 76621590 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79222211 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 75751902 | REDACTED | N/A B | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 73539739 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 74053669 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79001879 | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
| REDACTED |  | 79408069 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74111905 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 78722465 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76694829 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79632122 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 77205598 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 77082066 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72101366 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 74028388 | REDACTED | N/A B | N/A | N/A C | N/A B | N/A | N/A C B |
| REDACTED |  | 77826370 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 77824091 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72764168 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 75658029 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 75243537 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 75639641 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 74008279 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 79499559 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 72073116 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 73557589 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70256509 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 75184710 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 71241195 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 71872717 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70030443 | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
| REDACTED |  | 73260690 | REDACTED | C | C | C A | B | B | B |
| REDACTED |  | 77859060 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 70130169 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 72911133 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 72125562 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 78919076 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79516113 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 74806794 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 78365126 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 74382352 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76025642 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 73735561 | REDACTED | N/A C | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 70813544 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76410902 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 74011452 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 71874424 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76756771 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 72944792 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 73826024 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79669631 | REDACTED | N/A C | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 74677393 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 72258315 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 77886684 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 71944275 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78945914 | REDACTED | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | 79787880 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 76895059 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79444147 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 77524350 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 71448116 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 70567970 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79798348 | REDACTED | N/A C | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75783824 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79157163 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 73480053 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 71120403 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 76177658 | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | 75995847 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 79961122 | REDACTED B | A | A | A D B | A | A | A B |
| REDACTED |  | 77159566 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 78528544 | REDACTED B | A | A | A C | A | A | A |
| REDACTED |  | 70597183 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 71484415 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 70912091 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 76354690 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 71955747 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78454814 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72468358 | REDACTED | N/A C | N/A | N/A C B | N/A B | N/A | N/A C B |
| REDACTED |  | 78507212 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 79083410 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 77841090 | REDACTED B | A | A | A B | A | A | A |
| REDACTED |  | 75720603 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 75566452 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 73399774 | REDACTED | N/A D | N/A | N/A D | N/A | N/A | N/A C |
| REDACTED |  | 75383241 | REDACTED | A | A | A C | A | A | A |
| REDACTED |  | 73694909 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 76149874 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 77854407 | REDACTED | A | A | A D B | A | A | A B |
| REDACTED |  | 77392137 | REDACTED | N/A | N/A | N/A C D B | N/A | N/A | N/A C B |
| REDACTED |  | 74138850 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71739954 | REDACTED | N/A | N/A | N/A D | N/A | N/A | N/A |
| REDACTED |  | 78580544 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 73214175 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 76047906 | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | 77736912 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 78998269 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70281256 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 78099991 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 78037908 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74243446 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 74722386 | REDACTED | N/A B | N/A | N/A C B | N/A B | N/A | N/A C B |
| REDACTED |  | 72077813 | REDACTED | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | 78515459 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 75533668 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 79048000 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 76223204 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 72311424 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71697976 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 71449019 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 79959102 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 70452938 | REDACTED | N/A | N/A | N/A C | N/A | N/A | N/A C |
| REDACTED |  | 79840025 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 71297585 | REDACTED | A | A | A D | A | A | A |
| REDACTED |  | 71590691 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 70934919 | REDACTED | N/A | N/A | N/A C B | N/A | N/A | N/A C B |
| REDACTED |  | 76044339 | REDACTED | A | A | A | A | A | A |
| REDACTED |  | 78777061 | REDACTED | N/A | N/A | N/A C D | N/A | N/A | N/A C |
| REDACTED |  | 77331232 | REDACTED | A | A | A | A | A | A |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| REDACTED |  | 71031229 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2802.33 | 07/21/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.742% |  | 12.500% | 12.500% | $2547.07 | No | REDACTED | REDACTED | $6518.04 | $543.17 | $0.00 | $0.00 | $2228.98 | $5900.79 |  | N/A |  |  | $0.00 |  |  | 46.01% | 45.83% | 45.83% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/09/2025 | 07/09/2025 |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 113402.32 | 19.2 | No | 79.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72099373 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 16182.5 | 07/28/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.393% |  | 8.125% | 8.125% | $4826.22 | No | REDACTED | REDACTED | $17115.00 | $1426.25 | $4560.00 | $380.00 | $10499.48 | $20363.06 |  | N/A | REDACTED | REDACTED | $380.00 | 10/01/2025 | Monthly | 20.94% | 22.32% | 22.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/18/2025 | 08/18/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 381999.82 | 19.1 | No | 57.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79698702 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1755.14 | No | REDACTED | REDACTED | $1734.24 | $144.52 | $0.00 | $0.00 | $1256.58 | $4158.24 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.154 | 1.149 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/16/2025 | 07/16/2025 |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 193793.97 | 46.6 | No | 59.32 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72735251 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4205 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.745% |  | 10.125% | 10.125% | $807.01 | No | REDACTED | REDACTED | $3619.56 | $301.63 | $324.96 | $27.08 | $1994.07 | $3754.47 |  | N/A | REDACTED | REDACTED | $27.08 | 08/01/2026 | Annually | 31.08% | 30.95% | 30.95% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, SESCorp, SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2025, 2024 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified - 2025, 2024 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 05/30/2025 | 05/30/2025 | 05/30/2025 |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 84332.76 | 22.5 | No | 54.18 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70643655 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 12840 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.947% |  | 9.875% | 9.875% | $3803.37 | No | REDACTED | REDACTED | $3042.84 | $253.57 | $0.00 | $0.00 | $2597.27 | $7416.29 |  | N/A |  |  | $0.00 |  |  | 44.87% | 42.42% | 42.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2025, 2024 | Borrower - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/10/2025 | 07/10/2025 |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 433609.42 | 58.5 | No | 74.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75184418 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7468 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.533% |  | 10.875% | 10.875% | $1508.62 | No | REDACTED | REDACTED | $1830.96 | $152.58 | $150.00 | $12.50 | $1332.36 | $3604.37 |  | N/A | REDACTED | REDACTED | $12.50 | 10/01/2025 | Annually | 24.72% | 24.72% | 24.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | Yes | 6 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/09/2025 | 07/09/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 39027.77 | 10.8 | No | 74.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70621916 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10645.25 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.792% |  | 8.750% | 8.625% | $3722.20 | No | REDACTED | REDACTED | $1023.96 | $85.33 | $0.00 | $0.00 | $1761.23 | $6025.98 |  | N/A |  |  | $0.00 |  |  | 16.10% | 12.28% | 12.28% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 7 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/25/2025 | 07/25/2025 | 07/25/2025 |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 4418.33 | 0.7 | No | 79.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 73067787 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.250% | 9.250% | $411.34 | No | REDACTED | REDACTED | $1758.36 | $146.53 | $0.00 | $0.00 | $835.19 | $1649.39 |  | N/A |  |  | $0.00 |  |  | 42.75% | 42.72% | 42.72% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - 2023 - 2023 \|\| Co Borrower | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023 - 2023 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/08/2025 | 07/08/2025 | 07/08/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 45954.62 | 27.9 | No | 79.85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77748085 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 658 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.156% |  | 9.125% | 9.125% | $6094.11 | No | REDACTED | REDACTED | $3218.04 | $268.17 | $0.00 | $0.00 | $9843.27 | $18845.90 |  | N/A |  |  | $0.00 |  |  | 43.44% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/11/2025 | 08/11/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 741858.75 | 39.4 | No | 78.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70785718 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 03/11/2025 | 3.11.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6805 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.874% |  | 10.250% | 10.250% | $1299.34 | No | REDACTED | REDACTED | $5122.08 | $426.84 | $0.00 | $0.00 | $4434.27 | $6601.76 |  | N/A |  |  | $0.00 |  |  | 17.20% | 49.40% | 49.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/21/2025 | 07/21/2025 |  |  |  | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 118973.43 | 18 | No | 58.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79846109 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1766 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.696% |  | 9.500% | 9.500% | $899.71 | No | REDACTED | REDACTED | $978.00 | $81.50 | $924.00 | $77.00 | $1085.92 | $2336.27 |  | N/A | REDACTED | REDACTED | $77.00 | 09/01/2025 | Monthly | 38.34% | 38.29% | 38.29% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 51.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 8 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, Balance Sheet Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, IRS Transcripts Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 102283.77 | 43.8 | No | 73.24 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76330005 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3750 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.184% |  | 10.500% | 10.500% | $998.38 | No | REDACTED | REDACTED | $708.96 | $59.08 | $7080.00 | $590.00 | $963.72 | $3089.55 |  | Yes | REDACTED | REDACTED | $590.00 | 11/01/2025 | Monthly | 39.43% | 34.41% | 34.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 1 | 12 | No |  |  |  | 86.84% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/13/2025 | 08/13/2025 |  |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 63880.13 | 20.7 | No | 51.69 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79837714 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1270 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.323% |  | 8.125% | 8.125% | $1308.57 | No | REDACTED | REDACTED | $3375.00 | $281.25 | $0.00 | $0.00 | $1695.22 | $4482.59 |  | N/A |  |  | $0.00 |  |  | 24.02% | 24.57% | 24.57% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/11/2025 | 08/11/2025 | 08/11/2025 |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 151095.86 | 33.7 | No | 54.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77414634 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4308.07 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.734% |  | 11.250% | 11.250% | $1643.73 | No | REDACTED | REDACTED | $2157.96 | $179.83 | $105.96 | $8.83 | $803.59 | $3018.50 |  | N/A |  | REDACTED | $8.83 | 10/01/2025 | Monthly | 46.31% | 38.67% | 38.67% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 30 | Other | Yes | 32 | 32 | Other | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/12/2025 | 08/12/2025 | 08/12/2025 |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 79881.22 | 26.5 | No | 76.09 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70839826 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9257 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.157% |  | 9.500% | 9.500% | $1849.88 | No | REDACTED | REDACTED | $1366.56 | $113.88 | $0.00 | $0.00 | $4874.41 | $7380.08 |  | N/A |  |  | $0.00 |  |  | 47.47% | 47.36% | 47.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/14/2025 | 08/14/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 206736.00 | 28 | No | 79.74 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 70831348 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | APOR Threshold | 3240 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.300% |  | 11.250% | 11.250% | $864.26 | No | REDACTED | REDACTED | $1548.00 | $129.00 | $0.00 | $0.00 | $1105.05 | $2272.53 |  | N/A |  |  | $0.00 |  |  | 38.46% | 38.46% | 38.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/21/2025 | 07/21/2025 | 07/21/2025 |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 69034.88 | 30.4 | No | 82.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79216054 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7648.21 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.254% |  | 9.625% | 9.625% | $1427.98 | No | REDACTED | REDACTED | $1685.04 | $140.42 | $0.00 | $0.00 | $2002.27 | $4030.58 |  | N/A |  |  | $0.00 |  |  | 48.93% | 48.93% | 48.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 301 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71464262 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3344 | 05/12/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.939% |  | 11.250% | 11.250% | $688.62 | No | REDACTED | REDACTED | $1503.96 | $125.33 | $1668.00 | $139.00 | $2996.23 | $4137.34 |  | N/A | REDACTED | REDACTED | $139.00 |  | Monthly | 49.49% | 49.51% | 49.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/10/2025 | 09/10/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74554265 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 20795 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.030% |  | 9.500% | 9.500% | $4038.22 | No | REDACTED | REDACTED | $3309.96 | $275.83 | $0.00 | $0.00 | $2363.75 | $7452.04 |  | N/A |  |  | $0.00 |  |  | 36.78% | 36.79% | 36.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/22/2025 | 07/22/2025 |  |  |  | 812 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  | N/A |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 453212.31 | 60.8 | No | 89.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71359136 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.125% | 11.125% | $1040.71 | No | REDACTED | REDACTED | $2223.96 | $185.33 | $888.96 | $74.08 | $1024.04 | $2563.06 |  | N/A | REDACTED | REDACTED | $74.08 |  | Monthly | 49.08% | 48.67% | 48.67% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 211 | 32 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, Lease Agreements Verified | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/16/2025 | 07/16/2025 | 07/16/2025 |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 66.2 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79225441 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.875% | 8.875% | $1798.16 | No | REDACTED | REDACTED | $1205.04 | $100.42 | $0.00 | $0.00 | $1504.97 | $4478.70 |  | N/A |  |  | $0.00 |  |  | 45.44% | 27.46% | 27.46% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/02/2025 | 07/02/2025 | 07/02/2025 |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 218582.59 | 48.8 | No | 67.04 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77032013 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5699.35 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.128% |  | 10.000% | 10.000% | $5001.59 | No | REDACTED | REDACTED | $11960.64 | $996.72 | $4260.00 | $355.00 | $10693.61 | $18620.67 |  | N/A | REDACTED | REDACTED | $355.00 |  | Monthly | 83.00% | 46.53% | 46.53% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 21 | 21 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/25/2025 | 06/25/2025 | 06/25/2025 |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74823396 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3009.69 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.714% |  | 10.250% | 10.250% | $835.61 | No | REDACTED | REDACTED | $1027.20 | $85.60 | $0.00 | $0.00 | $2287.90 | $3752.59 |  | N/A |  |  | $0.00 |  |  | 46.15% | 46.15% | 46.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/29/2025 | 07/29/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78658448 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1215 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.140% |  | 9.625% | 9.625% | $638.96 | No | REDACTED | REDACTED | $1401.96 | $116.83 | $0.00 | $0.00 | $787.68 | $1704.07 |  | N/A |  |  | $0.00 |  |  | 34.43% | 33.29% | 33.29% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 2 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/21/2025 | 08/21/2025 | 08/21/2025 |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 35609.59 | 21.1 | No | 69.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74952517 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4773.75 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.520% |  | 8.000% | 8.000% | $781.46 | No | REDACTED | REDACTED | $3101.40 | $258.45 | $215.04 | $17.92 | $1315.12 | $2927.33 |  | N/A | REDACTED | REDACTED | $17.92 |  | Annually | 30.03% | 30.03% | 30.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | Yes | 144 | 31 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/10/2025 | 07/10/2025 | 07/10/2025 |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 76.28 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75105710 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1682.5 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.088% |  | 9.500% | 9.500% | $420.43 | No | REDACTED | REDACTED | $1216.56 | $101.38 | $0.00 | $0.00 | $1356.56 | $2153.31 |  | N/A |  |  | $0.00 |  |  | 49.45% | 49.44% | 49.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | Missing |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79916897 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3734 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.458% |  | 10.250% | 10.250% | $2240.25 | No | REDACTED | REDACTED | $6442.44 | $536.87 | $0.00 | $0.00 | $1347.13 | $4703.23 |  | N/A |  |  | $0.00 |  |  | 43.64% | 43.61% | 43.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/25/2025 | 08/25/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 56.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77209510 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5453 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.690% |  | 11.000% | 11.000% | $1114.22 | No | REDACTED | REDACTED | $1007.52 | $83.96 | $0.00 | $0.00 | $1778.91 | $3436.48 |  | N/A |  |  | $0.00 |  |  | 64.71% | 49.72% | 49.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 30 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 06/26/2025 | 06/26/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 78.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72785111 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2852.5 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.486% |  | 11.250% | 11.250% | $2439.52 | No | REDACTED | REDACTED | $3078.12 | $256.51 | $0.00 | $0.00 | $1457.84 | $4469.90 |  | N/A |  |  | $0.00 |  |  | 18.59% | 17.41% | 17.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 288 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/05/2025 | 08/05/2025 |  |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 152275.02 | 34.1 | No | 74.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73053102 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3605 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.105% |  | 7.875% | 7.875% | $2845.35 | No | REDACTED | REDACTED | $4734.96 | $394.58 | $1200.00 | $100.00 | $2274.65 | $6025.41 |  | N/A | REDACTED | REDACTED | $100.00 | 10/01/2025 | Monthly | 27.31% | 26.08% | 26.08% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/28/2025 | 08/28/2025 | 08/28/2025 |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 293664.48 | 48.7 | No | 53.57 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77890199 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2071.3 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.256% |  | 8.125% | 8.125% | $1522.11 | No | REDACTED | REDACTED | $2946.96 | $245.58 | $0.00 | $0.00 | $2878.05 | $5075.03 |  | N/A |  |  | $0.00 |  |  | 48.26% | 48.26% | 48.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/25/2025 | 08/25/2025 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1538.35 | 0.3 | No | 67.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76621590 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8704.6 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.537% |  | 11.000% | 11.000% | $2226.71 | No | REDACTED | REDACTED | $2137.32 | $178.11 | $0.00 | $0.00 | $2308.83 | $5329.75 |  | N/A |  |  | $0.00 |  |  | 46.08% | 45.86% | 45.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/28/2025 | 07/28/2025 |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | REDACTED | REDACTED | 1 | REDACTED |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79222211 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.875% | 9.875% | $1476.19 | No | REDACTED | REDACTED | $2098.20 | $174.85 | $0.00 | $0.00 | $1839.63 | $4140.17 |  | N/A |  |  | $0.00 |  |  | 40.75% | 39.35% | 39.35% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/07/2025 | 08/07/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.98 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75751902 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9310 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.713% |  | 9.375% | 9.375% | $2827.95 | No | REDACTED | REDACTED | $2067.00 | $172.25 | $1008.00 | $84.00 | $3167.18 | $6998.93 |  | N/A |  | REDACTED | $84.00 | 10/01/2025 | Monthly | 42.79% | 42.78% | 42.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/25/2025 | 08/25/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 214015.82 | 30.6 | No | 77.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73539739 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3400 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.140% |  | 8.875% | 8.875% | $1352.60 | No | REDACTED | REDACTED | $2364.00 | $197.00 | $0.00 | $0.00 | $3866.73 | $6211.03 |  | N/A |  |  | $0.00 |  |  | 48.32% | 48.49% | 48.49% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 3 | 3 | Work Number | Yes | 48 | 33 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/02/2025 | 09/02/2025 | 09/02/2025 |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74053669 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8690 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.130% |  | 9.000% | 9.000% | $3218.49 | No | REDACTED | REDACTED | $1286.04 | $107.17 | $2736.00 | $228.00 | $5529.51 | $10420.37 |  | N/A | REDACTED | REDACTED | $228.00 |  | Monthly | 42.26% | 42.03% | 41.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 52 | 32 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Overtime and Bonus - Written VOE Verified, null Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/14/2025 | 08/14/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 62.13 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79001879 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | Yes | No | No | N/A | N/A | 2317.14 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.613% |  | 11.875% | 11.875% | $749.99 | No | REDACTED | REDACTED | $1800.96 | $150.08 | $0.00 | $0.00 | $3649.61 | $5073.78 |  | N/A |  |  | $0.00 |  |  | 49.70% | 44.52% | 44.52% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/18/2025 | 08/18/2025 | 08/18/2025 |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29197.31 | 5.8 | No | 89.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79408069 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1898 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.300% |  | 8.250% | 8.250% | $5333.99 | No | REDACTED | REDACTED | $18261.00 | $1521.75 | $0.00 | $0.00 | $23917.01 | $32153.35 |  | N/A |  |  | $0.00 |  |  | 15.05% | 14.95% | 14.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/03/2025 | 07/03/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 697493.42 | 21.7 | No | 58.84 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74111905 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2261 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.191% |  | 11.750% | 11.750% | $908.47 | No | REDACTED | REDACTED | $1370.04 | $114.17 | $0.00 | $0.00 | $1067.90 | $2271.44 |  | N/A |  |  | $0.00 |  |  | 46.96% | 46.98% | 46.98% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 8 | NA | 0 | No | 0 | Yes | 23 | 23 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/26/2025 | 08/26/2025 | 08/26/2025 |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.93 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78722465 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4897 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.922% |  | 12.375% | 12.375% | $1099.86 | No | REDACTED | REDACTED | $1774.08 | $147.84 | $0.00 | $0.00 | $1249.44 | $2721.82 |  | N/A |  |  | $0.00 |  |  | 49.23% | 49.51% | 49.32% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 39319.75 | 14.5 | No | 79.66 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76694829 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1211 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.552% |  | 8.500% | 8.500% | $2814.22 | No | REDACTED | REDACTED | $2466.96 | $205.58 | $0.00 | $0.00 | $1548.89 | $5205.05 |  | N/A |  |  | $0.00 |  |  | 36.28% | 36.13% | 36.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 14.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/21/2025 | 07/21/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 282699.11 | 54.3 | No | 79.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79632122 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $763.10 | No | REDACTED | REDACTED | $2356.20 | $196.35 | $0.00 | $0.00 | $1393.13 | $3159.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.029 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/13/2025 | 08/13/2025 |  |  |  | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 88679.40 | 28.1 | No | 57.13 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77205598 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9795 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.119% |  | 9.625% | 9.625% | $2549.96 | No | REDACTED | REDACTED | $1673.04 | $139.42 | $0.00 | $0.00 | $2559.55 | $5957.23 |  | N/A |  |  | $0.00 |  |  | 38.58% | 38.76% | 38.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/03/2025 | 09/03/2025 |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 285908.00 | 48 | No | 52.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 77082066 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.875% | 8.875% | $3898.66 | No | REDACTED | REDACTED | $1287.96 | $107.33 | $8520.00 | $710.00 | $1022.29 | $6201.68 |  | Yes | REDACTED | REDACTED | $710.00 | 10/01/2025 | Monthly | 45.98% | 42.92% | 42.92% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/26/2025 | 08/26/2025 |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 707.99 | 0.1 | No | 68.33 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 72101366 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | 12755 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.921% |  | 8.500% | 8.500% | $2145.27 | No | REDACTED | REDACTED | $3894.00 | $324.50 | $0.00 | $0.00 | $3265.03 | $6748.65 |  | N/A |  |  | $0.00 |  |  | 35.08% | 35.08% | 34.98% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Retirement, Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/14/2025 | 08/14/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 82596.46 | 12.2 | No | 74.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74028388 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1430 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.158% |  | 9.125% | 9.125% | $6102.25 | No | REDACTED | REDACTED | $8820.96 | $735.08 | $5400.00 | $450.00 | $5584.26 | $14322.85 |  | N/A | REDACTED | REDACTED | $450.00 |  | Monthly | 34.74% | 34.73% | 34.73% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SESCorp - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024, 2025 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/14/2025 | 08/14/2025 | 08/14/2025 |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 2 | 0 | 0 |  |  |  |  | 1 | 2 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 186576.15 | 13 | No | 63.61 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 77826370 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3484 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.443% |  | 8.125% | 8.125% | $1477.41 | No | REDACTED | REDACTED | $1976.04 | $164.67 | $0.00 | $0.00 | $2019.83 | $4194.26 |  | N/A |  |  | $0.00 |  |  | 35.27% | 35.70% | 35.70% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 32 | FNMA 1005 | Yes | 300 | 32 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/23/2025 | 07/23/2025 | 07/23/2025 |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 56.61 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 77824091 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1673.62 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.439% |  | 8.125% | 8.125% | $970.87 | No | REDACTED | REDACTED | $1766.04 | $147.17 | $0.00 | $0.00 | $1335.42 | $2961.42 |  | N/A |  |  | $0.00 |  |  | 44.57% | 44.00% | 44.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/28/2025 | 08/28/2025 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72207.60 | 24.4 | No | 52.27 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72764168 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4720 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.769% |  | 8.375% | 8.375% | $1140.10 | No | REDACTED | REDACTED | $1872.96 | $156.08 | $0.00 | $0.00 | $1924.49 | $3812.83 |  | N/A |  |  | $0.00 |  |  | 49.32% | 49.32% | 49.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | Yes | 2 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/02/2025 | 09/02/2025 | 09/02/2025 |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 121881.26 | 32.5 | No | 64.01 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75658029 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6720 | 08/04/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.925% |  | 7.625% | 7.625% | $1769.48 | No | REDACTED | REDACTED | $1312.56 | $109.38 | $340.20 | $28.35 | $1231.64 | $3879.65 |  | N/A | REDACTED | REDACTED | $28.35 | 10/01/2025 | Monthly | 36.31% | 37.78% | 37.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 228 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/11/2025 | 08/11/2025 |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 255583.94 | 65.9 | 255583.94 | 65.9 | No | 46.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 75243537 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2145 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.629% |  | 8.250% | 8.250% | $979.88 | No | REDACTED | REDACTED | $2706.12 | $225.51 | $0.00 | $0.00 | $4213.52 | $6320.61 |  | N/A |  |  | $0.00 |  |  | 47.70% | 47.48% | 47.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 204 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/01/2025 | 08/01/2025 |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | N/A |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 110443.79 | 17.5 | No | 64.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 75639641 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.756% |  | 8.500% | 0.000% | $576.69 | No | REDACTED | REDACTED | $701.04 | $58.42 | $0.00 | $0.00 | $978.79 | $1968.64 |  | N/A |  |  | $0.00 |  |  | 41.01% | 41.30% | 41.30% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/15/2025 | 07/15/2025 |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 53809.19 | 27.3 | No | 16.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 74008279 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1895 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.759% |  | 12.625% | 12.625% | $2591.08 | No | REDACTED | REDACTED | $2536.08 | $211.34 | $285.00 | $23.75 | $1220.69 | $4350.63 |  | N/A | REDACTED | REDACTED | $23.75 | 11/01/2025 | Monthly | 49.96% | 48.36% | 48.35% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 1YR Full Doc | 1 | 2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | NA | NA | No | No | 87 | No | Yes | Yes | 6 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, SSI and Disability, Asset Depletion - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - SSI and Disability, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/18/2025 | 08/18/2025 | 08/18/2025 |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 186628.23 | 42.9 | No | 89.39 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79499559 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3078 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.273% |  | 8.750% | 8.750% | $786.70 | No | REDACTED | REDACTED | $4598.04 | $383.17 | $600.00 | $50.00 | $3129.88 | $5599.24 |  | N/A | REDACTED | REDACTED | $50.00 | 11/01/2025 | Monthly | 10.64% | 10.60% | 10.60% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/27/2025 | 08/27/2025 | 08/27/2025 |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 88840.36 | 15.9 | No | 30.15 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72073116 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $2045.42 | No | REDACTED | REDACTED | $1008.96 | $84.08 | $0.00 | $0.00 | $922.81 | $3865.35 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.004 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/05/2025 | 08/05/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 348403.11 | 90.1 | 348403.11 | 90.1 | No | 69.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73557589 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2938.71 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.783% |  | 12.375% | 12.375% | $1241.06 | No | REDACTED | REDACTED | $3176.04 | $264.67 | $0.00 | $0.00 | $1868.40 | $4080.73 |  | N/A |  |  | $0.00 |  |  | 45.66% | 45.66% | 45.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/09/2025 | 09/09/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 278.42 | 0.1 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70256509 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $644.47 | No | REDACTED | REDACTED | $2002.80 | $166.90 | $336.00 | $28.00 | $442.54 | $1625.70 |  | N/A | REDACTED | REDACTED | $28.00 | 10/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.23 | 1.23 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/08/2025 | 09/08/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72534.98 | 44.6 | No | 48.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75184710 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1790 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.181% |  | 8.125% | 8.125% | $3400.64 | No | REDACTED | REDACTED | $3170.04 | $264.17 | $1440.00 | $120.00 | $2198.38 | $6488.14 |  | N/A | REDACTED | REDACTED | $120.00 |  | Monthly | 39.40% | 39.41% | 39.41% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/15/2025 | 09/15/2025 | 09/15/2025 |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71241195 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $644.47 | No | REDACTED | REDACTED | $1785.48 | $148.79 | $214.20 | $17.85 | $442.54 | $1660.77 |  | N/A | REDACTED | REDACTED | $17.85 | 10/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.204 | 1.2 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/08/2025 | 09/08/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72534.98 | 43.7 | No | 52.17 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71872717 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | 1050 | 08/11/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.213% |  | 8.000% | 8.000% | $403.57 | No | REDACTED | REDACTED | $621.00 | $51.75 | $588.00 | $49.00 | $1185.43 | $1985.87 |  | N/A | REDACTED | REDACTED | $49.00 | 10/01/2025 | Monthly | 44.75% | 44.75% | 44.75% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 8 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Maintenance, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/19/2025 | 08/19/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 52214.85 | 26.3 | No | 54.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70030443 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3670 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.458% |  | 8.000% | 8.000% | $711.75 | No | REDACTED | REDACTED | $1272.96 | $106.08 | $1260.00 | $105.00 | $1020.56 | $2223.63 |  | N/A | REDACTED | REDACTED | $105.00 |  | Monthly | 47.70% | 47.70% | 47.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/02/2025 | 09/02/2025 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73260690 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6690 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.544% |  | 8.375% | 8.375% | $3800.36 | No | REDACTED | REDACTED | $7383.00 | $615.25 | $0.00 | $0.00 | $0.00 | $12697.66 |  | N/A |  |  | $0.00 |  |  | 22.20% | 22.25% | 22.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 75.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/05/2025 | 09/05/2025 |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 483345.36 | 38.1 | No | 69.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77859060 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5127.5 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.879% |  | 8.750% | 8.750% | $4326.85 | No | REDACTED | REDACTED | $9576.00 | $798.00 | $9360.00 | $780.00 | $6480.08 | $14071.68 |  | N/A | REDACTED | REDACTED | $780.00 | 10/01/2025 | Monthly | 37.47% | 35.92% | 35.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024, 2025 | Borrower - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/23/2025 | 09/23/2025 |  |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 213099.71 | 15.1 | No | 54.08 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70130169 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6250 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.756% |  | 9.375% | 9.375% | $1663.50 | No | REDACTED | REDACTED | $1990.68 | $165.89 | $0.00 | $0.00 | $933.27 | $3193.05 |  | N/A |  |  | $0.00 |  |  | 40.66% | 40.44% | 40.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/06/2025 | 08/06/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 187245.42 | 61.9 | No | 78.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72911133 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.250% | 10.250% | $569.02 | No | REDACTED | REDACTED | $1091.04 | $90.92 | $1500.00 | $125.00 | $1837.41 | $3176.74 |  | N/A | REDACTED | REDACTED | $125.00 |  | Monthly | 45.93% | 45.46% | 45.46% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/05/2025 | 08/05/2025 |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 78.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72125562 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4000 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.221% |  | 8.125% | 8.125% | $3712.48 | No | REDACTED | REDACTED | $6116.04 | $509.67 | $0.00 | $0.00 | $2375.32 | $7951.60 | $12509.10 | N/A |  |  | $0.00 |  |  | 38.03% | 39.89% | 39.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 303 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/11/2025 | 08/11/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 489736.82 | 60.1 | No | 65.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78919076 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1782.5 | 09/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.210% |  | 9.625% | 9.625% | $424.99 | No | REDACTED | REDACTED | $1213.08 | $101.09 | $2280.00 | $190.00 | $851.66 | $1763.35 |  | N/A | REDACTED | REDACTED | $190.00 |  | Monthly | 46.40% | 45.59% | 45.59% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2022","2023","2024","2025"] - 2022, 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/25/2025 | 09/25/2025 | 09/25/2025 |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | REDACTED | REDACTED | 1 | REDACTED |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79516113 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1595 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.388% |  | 10.250% | 10.200% | $1881.81 | No | REDACTED | REDACTED | $2466.00 | $205.50 | $0.00 | $0.00 | $2317.23 | $5163.49 |  | N/A |  |  | $0.00 |  |  | 48.31% | 48.37% | 48.37% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 288 | Yes | 108 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/06/2025 | 10/06/2025 | 10/06/2025 |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 56.65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74806794 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3297.5 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.050% |  | 7.750% | 7.750% | $1231.42 | No | REDACTED | REDACTED | $1323.00 | $110.25 | $0.00 | $0.00 | $1665.40 | $3447.17 |  | N/A |  |  | $0.00 |  |  | 37.66% | 37.43% | 37.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/17/2025 | 09/17/2025 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78365126 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $840.85 | No | REDACTED | REDACTED | $2592.72 | $216.06 | $3460.80 | $288.40 | $962.83 | $2522.64 |  | N/A | REDACTED | REDACTED | $288.40 | 10/01/2025 | Monthly | 47.90% | 47.20% | 47.20% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime and Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/25/2025 | 08/25/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 64003.91 | 25.4 | 132440.80 | 52.5 | No | 75.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74382352 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6075 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.203% |  | 8.750% | 8.750% | $1274.45 | No | REDACTED | REDACTED | $2147.04 | $178.92 | $0.00 | $0.00 | $1243.00 | $2783.99 |  | N/A |  |  | $0.00 |  |  | 19.56% | 20.06% | 20.06% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 216 | Yes | 216 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/08/2025 | 09/08/2025 | 09/08/2025 |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 154247.61 | 55.4 | No | 74.67 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76025642 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $2485.44 | No | REDACTED | REDACTED | $3205.56 | $267.13 | $0.00 | $0.00 | $1264.65 | $5334.23 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.106 | 1.073 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/05/2025 | 08/05/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 321361.10 | 60.3 | No | 69.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73735561 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7495 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.615% |  | 9.375% | 9.375% | $3285.41 | No | REDACTED | REDACTED | $8661.00 | $721.75 | $1980.00 | $165.00 | $11784.98 | $17887.97 | $26536.03 | N/A | REDACTED | REDACTED | $165.00 | 11/01/2025 | Annually | 41.82% | 41.82% | 41.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 258854.04 | 14.5 | No | 74.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70813544 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 12.250% | 12.250% | $541.90 | No | REDACTED | REDACTED | $159.96 | $13.33 | $0.00 | $0.00 | $381.72 | $1222.69 |  | N/A | REDACTED | REDACTED | $0.00 |  |  | 50.82% | 49.79% | 49.79% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 33 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Overtime and Bonus - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.92 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76410902 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1878.2 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.071% |  | 8.875% | 8.875% | $1723.69 | No | REDACTED | REDACTED | $2969.04 | $247.42 | $0.00 | $0.00 | $1937.55 | $4418.13 |  | N/A |  |  | $0.00 |  |  | 35.21% | 35.21% | 35.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 32 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/24/2025 | 09/24/2025 |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 180889.98 | 40.9 | No | 79.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74011452 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.935% |  | 9.750% | 9.750% | $1460.56 | No | REDACTED | REDACTED | $465.00 | $38.75 | $0.00 | $0.00 | $2390.10 | $4433.47 | $7400.45 | N/A |  |  | $0.00 |  |  | 42.54% | 42.53% | 42.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/08/2025 | 09/08/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 144844.33 | 32.7 | No | 78.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71874424 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7435.42 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.645% |  | 9.375% | 9.375% | $2886.34 | No | REDACTED | REDACTED | $1529.04 | $127.42 | $0.00 | $0.00 | $2237.18 | $6411.93 |  | N/A |  |  | $0.00 |  |  | 40.03% | 40.06% | 40.06% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 76.34% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 180 | 31 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/25/2025 | 08/25/2025 | 08/25/2025 |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1965.72 | 0.4 | 278570.52 | 51.2 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 76756771 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.308% |  | 8.250% | 0.000% | $2253.80 | No | REDACTED | REDACTED | $2631.48 | $219.29 | $0.00 | $0.00 | $2139.75 | $5160.43 |  | N/A |  |  | $0.00 |  |  | 24.58% | 24.69% | 24.69% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/10/2025 | 07/10/2025 | 07/10/2025 |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21973.82 | 4.5 | 318310.07 | 65.1 | No | 57.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72944792 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3800 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.600% |  | 8.000% | 8.000% | $594.35 | No | REDACTED | REDACTED | $1484.52 | $123.71 | $0.00 | $0.00 | $2406.38 | $3808.98 |  | N/A |  |  | $0.00 |  |  | 49.67% | 49.69% | 49.69% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 60 | No | Yes | Yes | 6 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Asset Depletion, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2024"] - 2024 \|\| Co Borrower - Retirement - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/21/2025 | 07/21/2025 | 07/21/2025 |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 52559.21 | 13.8 | No | 34.65 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 73826024 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5295 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.553% |  | 8.250% | 8.250% | $1502.53 | No | REDACTED | REDACTED | $3944.28 | $328.69 | $0.00 | $0.00 | $2680.61 | $5279.26 |  | N/A |  |  | $0.00 |  |  | 48.49% | 48.50% | 48.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/08/2025 | 08/08/2025 |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 141904.93 | 26.9 | No | 38.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79669631 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.000% | 11.000% | $1000.32 | No | REDACTED | REDACTED | $2253.36 | $187.78 | $0.00 | $0.00 | $1675.99 | $3261.72 |  | N/A |  |  | $0.00 |  |  | 49.06% | 49.00% | 49.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/04/2025 | 09/04/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1700.64 | 1.1 | No | 72.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74677393 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3040 | 09/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.081% |  | 9.875% | 9.875% | $2170.87 | No | REDACTED | REDACTED | $4577.04 | $381.42 | $0.00 | $0.00 | $2956.34 | $6478.87 | $7345.81 | N/A |  |  | $0.00 |  |  | 48.77% | 48.67% | 48.67% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | Yes | 6 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 32 | 32 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/11/2025 | 08/11/2025 | 08/11/2025 |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7326.21 | 1.1 | 7326.21 | 1.1 | No | 73.14 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 72258315 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.875% | 9.875% | $794.11 | No | REDACTED | REDACTED | $1080.00 | $90.00 | $696.00 | $58.00 | $969.93 | $1912.04 | $5099.17 | N/A | REDACTED | REDACTED | $58.00 | 12/01/2025 | Monthly | 40.82% | 41.48% | 41.48% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/27/2025 | 09/27/2025 |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 20581.69 | 11.3 | No | 79.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77886684 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 495 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.828% |  | 9.750% | 9.750% | $1558.51 | No | REDACTED | REDACTED | $1427.04 | $118.92 | $0.00 | $0.00 | $910.86 | $2972.61 |  | N/A | REDACTED | REDACTED | $0.00 |  |  | 21.42% | 21.20% | 21.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/18/2025 | 08/18/2025 |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71944275 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2172.5 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.948% |  | 8.750% | 8.750% | $1180.05 | No | REDACTED | REDACTED | $4316.04 | $359.67 | $0.00 | $0.00 | $3631.75 | $7004.58 |  | N/A |  |  | $0.00 |  |  | 46.49% | 44.98% | 44.98% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | Yes | 3 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 11 | 11 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/25/2025 | 09/25/2025 | 09/25/2025 |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 47.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78945914 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11155.48 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.679% |  | 9.375% | 9.375% | $3747.23 | No | REDACTED | REDACTED | $2586.48 | $215.54 | $0.00 | $0.00 | $3415.41 | $8092.42 |  | N/A |  |  | $0.00 |  |  | 30.23% | 30.23% | 30.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/11/2025 | 09/11/2025 |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 79787880 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5235 | 08/18/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.294% |  | 11.750% | 11.875% | $2095.33 | No | REDACTED | REDACTED | $1478.04 | $123.17 | $0.00 | $0.00 | $3385.52 | $6731.81 |  | N/A |  |  | $0.00 |  |  | 81.84% | 48.14% | 48.14% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 7 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/17/2025 | 07/17/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 4385.00 | 0.7 | No | 75.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76895059 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7201.5 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.348% |  | 10.750% | 10.750% | $1773.61 | No | REDACTED | REDACTED | $1737.96 | $144.83 | $0.00 | $0.00 | $2326.24 | $4839.80 |  | N/A |  |  | $0.00 |  |  | 42.82% | 42.23% | 42.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/04/2025 | 09/04/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79444147 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1909 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.805% |  | 8.750% | 8.750% | $3933.50 | No | REDACTED | REDACTED | $2838.96 | $236.58 | $0.00 | $0.00 | $3324.41 | $8644.03 |  | N/A |  |  | $0.00 |  |  | 34.69% | 34.69% | 34.69% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability, Other - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/07/2025 | 10/07/2025 | 10/07/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 33587.64 | 3.9 | No | 57.3 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 77524350 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9545 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.906% |  | 8.875% | 8.875% | $3978.22 | No | REDACTED | REDACTED | $1167.12 | $97.26 | $0.00 | $0.00 | $2540.21 | $7351.50 |  | N/A |  |  | $0.00 |  |  | 30.44% | 30.50% | 30.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/22/2025 | 09/22/2025 |  |  |  | 811 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 416832.29 | 56.7 | No | 71.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71448116 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 12.000% | 12.000% | $544.49 | No | REDACTED | REDACTED | $1335.84 | $111.32 | $1044.96 | $87.08 | $1008.18 | $2172.36 |  | N/A | REDACTED | REDACTED | $87.08 | 11/01/2025 | Monthly | 36.63% | 36.15% | 36.15% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Asset Depletion, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/08/2025 | 10/08/2025 |  |  |  | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 70567970 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4395 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.365% |  | 8.875% | 8.875% | $1382.13 | No | REDACTED | REDACTED | $1465.08 | $122.09 | $0.00 | $0.00 | $2001.52 | $3977.32 |  | N/A |  |  | $0.00 |  |  | 35.50% | 35.31% | 35.31% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/09/2025 | 10/09/2025 | 10/09/2025 |  |  | 670 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 102218.87 | 25.7 | No | 57.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79798348 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7800 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.740% |  | 8.625% | 8.625% | $6066.76 | No | REDACTED | REDACTED | $7440.00 | $620.00 | $0.00 | $0.00 | $2803.07 | $10158.74 |  | N/A |  |  | $0.00 |  |  | 41.35% | 41.41% | 41.41% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/24/2025 | 09/24/2025 | 09/24/2025 |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 360227.64 | 38.2 | No | 62.58 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 75783824 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6137.2 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.467% |  | 8.875% | 8.875% | $1034.33 | No | REDACTED | REDACTED | $1419.00 | $118.25 | $0.00 | $0.00 | $752.48 | $2259.50 | $12131.50 | N/A |  |  | $0.00 |  |  | 18.68% | 18.68% | 18.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 204 | 31 | Other | Yes | 79 | 31 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/04/2025 | 08/04/2025 | 08/04/2025 |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.88 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79157163 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1590 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.751% |  | 8.500% | 8.500% | $726.62 | No | REDACTED | REDACTED | $1380.00 | $115.00 | $0.00 | $0.00 | $684.08 | $1694.32 |  | N/A |  |  | $0.00 |  |  | 49.47% | 49.47% | 49.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/19/2025 | 09/19/2025 |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 62460.90 | 26.4 | No | 69.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73480053 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2206 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.110% |  | 10.625% | 10.625% | $776.24 | No | REDACTED | REDACTED | $1468.92 | $122.41 | $0.00 | $0.00 | $1180.51 | $2613.24 |  | N/A |  |  | $0.00 |  |  | 45.48% | 45.48% | 45.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 29576.22 | 11.4 | No | 79.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71120403 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1632.5 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.897% |  | 12.500% | 0.000% | $533.63 | No | REDACTED | REDACTED | $2649.96 | $220.83 | $1980.00 | $165.00 | $1670.19 | $3029.57 |  | N/A | REDACTED | REDACTED | $165.00 |  | Monthly | 37.77% | 37.85% | 37.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  |  | Yes | 22 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/30/2025 | 07/30/2025 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | Perm Res Card | REDACTED | REDACTED | REDACTED |  |  | I-551 Permanent Resident Card |  | 08-27-2030 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 44150.61 | 14.6 | No | 87.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76177658 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8638.75 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.364% |  | 10.000% | 10.000% | $2869.66 | No | REDACTED | REDACTED | $4565.16 | $380.43 | $0.00 | $0.00 | $2256.20 | $6339.43 |  | N/A |  |  | $0.00 |  |  | 39.37% | 39.50% | 39.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/28/2025 | 08/28/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75995847 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9775 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.762% |  | 9.500% | 9.500% | $4195.85 | No | REDACTED | REDACTED | $7340.16 | $611.68 | $2988.00 | $249.00 | $2958.19 | $9027.11 |  | N/A | REDACTED | REDACTED | $249.00 |  | Monthly | 42.53% | 40.14% | 40.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/31/2025 | 07/31/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79961122 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 09/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.875% |  | 8.875% | 8.875% | $1896.42 | No | REDACTED | REDACTED | $6449.52 | $537.46 | $0.00 | $0.00 | $4900.38 | $8219.33 |  | N/A |  |  | $0.00 |  |  | 33.24% | 33.64% | 33.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 2 | 0 | No |  |  |  | 0.00% | 36.02% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 07/11/2025 | 07/11/2025 |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 41535.02 | 5.1 | 41535.02 | 5.1 | No | 89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77159566 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4044.15 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.306% |  | 10.875% | 10.875% | $1268.19 | No | REDACTED | REDACTED | $1038.96 | $86.58 | $0.00 | $0.00 | $1441.00 | $3326.22 |  | N/A |  |  | $0.00 |  |  | 45.09% | 44.91% | 44.91% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 60 | Work Number | Yes | 20 | 20 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime and Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 | 09/18/2025 |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78528544 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.750% | 10.750% | $2716.43 | No | REDACTED | REDACTED | $1601.40 | $133.45 | $0.00 | $0.00 | $1592.07 | $4831.75 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.014 | 1.01 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/14/2025 | 08/14/2025 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.15 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70597183 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3785 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.816% |  | 8.750% | 8.750% | $5900.25 | No | REDACTED | REDACTED | $9647.04 | $803.92 | $3912.60 | $326.05 | $13597.25 | $23492.07 | $47945.94 | N/A |  | REDACTED | $326.05 |  | Monthly | 35.29% | 35.29% | 35.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 26 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/09/2025 | 10/09/2025 |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 743464.08 | 31.7 | No | 37.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71484415 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4920 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.056% |  | 8.625% | 8.625% | $1166.68 | No | REDACTED | REDACTED | $2532.96 | $211.08 | $1848.00 | $154.00 | $1647.45 | $3857.83 |  | N/A | REDACTED | REDACTED | $154.00 |  | Monthly | 41.58% | 41.19% | 41.19% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 34 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - null Executed 4506T Verified, null IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/16/2025 | 09/16/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 50.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70912091 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11490 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.453% |  | 8.875% | 8.875% | $1989.11 | No | REDACTED | REDACTED | $3333.00 | $277.75 | $0.00 | $0.00 | $2141.19 | $4877.04 |  | N/A |  |  | $0.00 |  |  | 49.29% | 49.29% | 49.29% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 22 | Yes | 22 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/02/2025 | 10/02/2025 | 10/02/2025 |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 127166.04 | 26.1 | No | 46.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | 76354690 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2120 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.903% |  | 8.750% | 8.750% | $1668.60 | No | REDACTED | REDACTED | $2489.04 | $207.42 | $0.00 | $0.00 | $4704.78 | $7281.29 | $7815.36 | N/A |  |  | $0.00 |  |  | 48.30% | 48.31% | 48.30% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 12 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 135 | 31 | Other | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/23/2025 | 09/23/2025 | 09/23/2025 |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2653.16 | 0.4 | 2653.16 | 0.4 | No | 77.24 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71955747 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7250 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.427% |  | 9.250% | 9.250% | $3989.98 | No | REDACTED | REDACTED | $7434.00 | $619.50 | $2676.00 | $223.00 | $3146.75 | $9669.96 |  | N/A | REDACTED | REDACTED | $223.00 |  | Monthly | 45.21% | 45.21% | 45.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 47.03% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 08/26/2025 | 08/26/2025 |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 50.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78454814 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2840 | 10/06/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.947% |  | 8.375% | 8.375% | $644.95 | No | REDACTED | REDACTED | $4367.04 | $363.92 | $0.00 | $0.00 | $1193.62 | $2607.87 |  | N/A |  |  | $0.00 |  |  | 42.74% | 42.74% | 42.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 156 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57899.78 | 24.3 | No | 74.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72468358 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3640 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.439% |  | 9.875% | 9.875% | $833.61 | No | REDACTED | REDACTED | $2390.04 | $199.17 | $0.00 | $0.00 | $1444.09 | $2815.06 |  | N/A |  |  | $0.00 |  |  | 25.37% | 25.37% | 25.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 90027.29 | 32 | No | 75.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78507212 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 495 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.824% |  | 10.750% | 10.750% | $2133.46 | No | REDACTED | REDACTED | $2160.00 | $180.00 | $0.00 | $0.00 | $1168.17 | $4222.64 |  | N/A |  |  | $0.00 |  |  | 40.83% | 40.83% | 40.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/25/2025 | 09/25/2025 |  |  |  | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 4844.30 | 1.1 | 147235.46 | 34.9 | No | 74.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79083410 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3586.25 | 09/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.813% |  | 9.500% | 9.500% | $1258.38 | No | REDACTED | REDACTED | $2526.00 | $210.50 | $0.00 | $0.00 | $2567.79 | $5002.75 |  | N/A |  |  | $0.00 |  |  | 33.24% | 33.01% | 33.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/16/2025 | 09/16/2025 |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23304.67 | 4.7 | No | 68.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77841090 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.876% | $805.39 | No | REDACTED | REDACTED | $2675.04 | $222.92 | $174.96 | $14.58 | $974.74 | $2346.45 |  | N/A |  | REDACTED | $14.58 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.427 | 1.427 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/09/2025 | 10/09/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 89485.74 | 35 | No | 69.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75720603 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.695% |  | 8.625% | 8.625% | $4378.75 | No | REDACTED | REDACTED | $9303.12 | $775.26 | $4500.00 | $375.00 | $3793.04 | $10990.95 |  | N/A | REDACTED | REDACTED | $375.00 |  | Monthly | 22.45% | 22.07% | 22.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/18/2025 | 09/18/2025 |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 493510.37 | 44.9 | No | 43.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75566452 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3345 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.815% |  | 10.000% | 10.000% | $839.57 | No | REDACTED | REDACTED | $4259.04 | $354.92 | $0.00 | $0.00 | $1758.01 | $3339.57 |  | N/A |  |  | $0.00 |  |  | 22.51% | 36.80% | 36.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  |  | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/26/2025 | 09/26/2025 |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73399774 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | Yes | No | No | N/A | N/A | 3018 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.967% |  | 9.375% | 9.375% | $739.19 | No | REDACTED | REDACTED | $1002.00 | $83.50 | $8244.00 | $687.00 | $1191.52 | $2928.09 |  | N/A | REDACTED | REDACTED | $687.00 |  | Monthly | 45.86% | 46.30% | 46.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  |  | 0 | N/A |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, null YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, null IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, null IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/16/2025 | 10/16/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.41 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 75383241 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5890 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.138% |  | 8.625% | 8.625% | $1166.68 | No | REDACTED | REDACTED | $1311.00 | $109.25 | $0.00 | $0.00 | $2368.43 | $4153.76 |  | N/A |  |  | $0.00 |  |  | 34.05% | 34.48% | 34.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/16/2025 | 09/16/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 143290.69 | 34.5 | No | 57.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 73694909 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11795 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.502% |  | 9.125% | 9.125% | $3148.76 | No | REDACTED | REDACTED | $1305.00 | $108.75 | $600.00 | $50.00 | $2389.20 | $6279.26 | $6399.05 | N/A | REDACTED | REDACTED | $50.00 | 12/01/2025 | Annually | 49.53% | 49.53% | 49.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 189 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/16/2025 | 09/16/2025 |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.51 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76149874 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5797.1 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.508% |  | 9.875% | 9.875% | $1094.11 | No | REDACTED | REDACTED | $2319.96 | $193.33 | $0.00 | $0.00 | $4321.41 | $6331.32 |  | N/A |  |  | $0.00 |  |  | 49.65% | 49.68% | 49.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 77 | 32 | Other | Yes | 77 | 10 | Other | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/05/2025 | 09/05/2025 | 09/05/2025 |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 77854407 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4231 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.200% |  | 8.625% | 8.625% | $777.79 | No | REDACTED | REDACTED | $723.96 | $60.33 | $3900.00 | $325.00 | $1342.17 | $2842.04 |  | Yes | REDACTED | REDACTED | $325.00 |  | Monthly | 14.40% | 14.26% | 14.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/02/2025 | 10/02/2025 |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77392137 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 10/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $1264.02 | No | REDACTED | REDACTED | $1700.04 | $141.67 | $0.00 | $0.00 | $1079.51 | $2823.62 |  | N/A |  |  | $0.00 |  |  | 14.10% | 32.35% | 32.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/08/2025 | 10/08/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 101220.15 | 35.4 | No | 79.9 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74138850 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3293.75 | 10/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.683% |  | 8.375% | 8.375% | $1026.18 | No | REDACTED | REDACTED | $4611.60 | $384.30 | $816.00 | $68.00 | $1665.96 | $4029.83 |  | N/A |  | REDACTED | $68.00 |  | Monthly | 39.94% | 39.90% | 39.90% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/13/2025 | 10/13/2025 | 10/13/2025 |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 128813.94 | 32 | No | 72.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 71739954 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3750 | 10/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.569% |  | 8.125% | 8.125% | $831.60 | No | REDACTED | REDACTED | $5072.04 | $422.67 | $0.00 | $0.00 | $1657.54 | $4535.60 |  | N/A |  |  | $0.00 |  |  | 33.40% | 37.25% | 37.25% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 3 | 0 | Yes | Yes | 3 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Retirement - Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Retirement - Award Letter Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/07/2025 | 10/07/2025 | 10/07/2025 |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 899048.64 | 198.2 | 995045.59 | 219.4 | No | 41.55 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78580544 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10720 | 10/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.597% |  | 9.000% | 9.000% | $2411.27 | No | REDACTED | REDACTED | $11451.36 | $954.28 | $0.00 | $0.00 | $3815.63 | $8087.92 |  | N/A |  |  | $0.00 |  |  | 35.82% | 35.82% | 35.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/01/2025 | 10/01/2025 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 231226.10 | 6.6 | No | 62.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 73214175 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3495 | 10/20/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.720% |  | 9.250% | 9.250% | $822.68 | No | REDACTED | REDACTED | $5457.00 | $454.75 | $312.00 | $26.00 | $1431.37 | $2891.31 |  | N/A |  | REDACTED | $26.00 |  | Annually | 46.24% | 46.48% | 46.48% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 354 | 34 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/03/2025 | 10/03/2025 |  |  |  | 663 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 49338.49 | 16.4 | No | 61.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76047906 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $3327.00 | No | REDACTED | REDACTED | $1337.04 | $111.42 | $0.00 | $0.00 | $1939.54 | $5931.84 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.214 | 1.15 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/28/2025 | 10/28/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 390820.76 | 65.9 | No | 66.29 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77736912 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1934 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.399% |  | 8.000% | 8.000% | $955.66 | No | REDACTED | REDACTED | $3399.00 | $283.25 | $0.00 | $0.00 | $1166.01 | $2540.65 |  | N/A |  |  | $0.00 |  |  | 49.80% | 49.80% | 49.80% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/24/2025 | 10/24/2025 |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78998269 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 10.625% | 10.625% | $2335.75 | No | REDACTED | REDACTED | $1186.44 | $98.87 | $0.00 | $0.00 | $1390.47 | $4177.60 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/03/2025 | 10/03/2025 |  |  |  | 694 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 55528.78 | 13.3 | No | 68.87 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 70281256 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1888 | 10/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.622% |  | 10.125% | 10.125% | $487.99 | No | REDACTED | REDACTED | $875.04 | $72.92 | $6432.00 | $536.00 | $3277.60 | $4625.76 |  | Yes | REDACTED | REDACTED | $536.00 |  | Monthly | 43.96% | 42.32% | 42.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 252 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/02/2025 | 10/02/2025 |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | REDACTED | REDACTED | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 58875.51 | 12.7 | 110618.21 | 23.9 | No | 74.86 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78099991 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 17155 | 10/27/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.049% |  | 9.500% | 9.500% | $3270.92 | No | REDACTED | REDACTED | $4715.04 | $392.92 | $0.00 | $0.00 | $4383.80 | $8439.42 |  | N/A |  |  | $0.00 |  |  | 49.96% | 49.96% | 49.96% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | Yes | 6 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 65 | 33 | FNMA 1005 | Yes | 21 | 21 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/02/2025 | 09/02/2025 | 09/02/2025 |  |  | 688 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.87 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 78037908 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4626.38 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.621% |  | 9.500% | 9.500% | $1033.78 | No | REDACTED | REDACTED | $2538.00 | $211.50 | $0.00 | $0.00 | $2015.09 | $4279.84 | $10404.16 | N/A |  |  | $0.00 |  |  | 34.46% | 34.59% | 34.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 122 | 45 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/08/2025 | 10/08/2025 |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 74243446 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.625% | 8.625% | $682.79 | No | REDACTED | REDACTED | $1617.48 | $134.79 | $0.00 | $0.00 | $1145.67 | $2482.51 |  | N/A |  |  | $0.00 |  |  | 38.94% | 38.94% | 38.94% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/14/2025 | 10/14/2025 | 10/14/2025 |  |  | 814 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 883041.18 | 355.7 | 958970.03 | 386.3 | No | 80 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 74722386 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 05/12/2025 | 5.12.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 2180 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.786% |  | 10.125% | 10.125% | $483.32 | No | REDACTED | REDACTED | $1232.04 | $102.67 | $0.00 | $0.00 | $1103.07 | $1811.26 |  | N/A |  |  | $0.00 |  |  | 44.24% | 44.24% | 44.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 68 | 27 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/19/2025 | 09/19/2025 |  |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 39.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 72077813 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $665.12 | No | REDACTED | REDACTED | $4821.00 | $401.75 | $0.00 | $0.00 | $2685.82 | $4366.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.187 | 1.187 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/07/2025 | 10/07/2025 |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.57 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78515459 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3100 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.089% |  | 7.625% | 7.625% | $566.23 | No | REDACTED | REDACTED | $1718.04 | $143.17 | $720.00 | $60.00 | $1290.80 | $2255.14 | $4286.86 | N/A | REDACTED | REDACTED | $60.00 | 12/01/2025 | Monthly | 47.11% | 46.66% | 46.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/27/2025 | 10/27/2025 |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 75533668 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | Yes | No | N/A | N/A | 0 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.250% | 9.250% | $2492.71 | No | REDACTED | REDACTED | $1355.04 | $112.92 | $0.00 | $0.00 | $2244.57 | $5649.37 |  | N/A |  |  | $0.00 |  |  | 18.43% | 49.88% | 49.88% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | Yes | NA | No | No | 84 | No | Yes | Yes | 6 | 0 | Yes | Yes | 6 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, 1040 Schedule E Verified \|\| Co Borrower - Wage, Asset Depletion - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/02/2025 | 10/02/2025 | 10/02/2025 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1578504.33 | 279.4 | 1654317.25 | 292.8 | No | 79.77 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 79048000 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1900 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.392% |  | 8.250% | 8.250% | $1427.41 | No | REDACTED | REDACTED | $1293.96 | $107.83 | $0.00 | $0.00 | $1641.36 | $4148.02 |  | N/A |  |  | $0.00 |  |  | 48.96% | 49.19% | 49.19% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Other, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/17/2025 | 09/17/2025 |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 174712.27 | 42.3 | No | 55.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76223204 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10670 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.033% |  | 7.875% | 7.875% | $5438.02 | No | REDACTED | REDACTED | $1494.24 | $124.52 | $0.00 | $0.00 | $8229.15 | $16004.03 |  | N/A |  |  | $0.00 |  |  | 40.04% | 40.08% | 40.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/21/2025 | 10/21/2025 |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 722010.53 | 45.1 | No | 67.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | 72311424 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.375% | 9.375% | $3576.52 | No | REDACTED | REDACTED | $3181.80 | $265.15 | $0.00 | $0.00 | $4083.00 | $9090.67 | $232440.65 | N/A |  |  | $0.00 |  |  | 28.35% | 28.34% | 28.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 228 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/11/2025 | 09/11/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3163144.60 | 348 | 3163144.60 | 348 | No | 74.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71697976 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.750% | 9.750% | $818.77 | No | REDACTED | REDACTED | $1478.28 | $123.19 | $2880.00 | $240.00 | $803.89 | $2133.46 |  | No | REDACTED | REDACTED | $240.00 |  | Monthly | 44.92% | 44.91% | 44.91% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, null IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, null IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/22/2025 | 10/22/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.99 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71449019 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 11/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 10.375% | 10.375% | $914.46 | No | REDACTED | REDACTED | $1286.40 | $107.20 | $3720.00 | $310.00 | $1410.07 | $3074.15 |  | N/A | REDACTED | REDACTED | $310.00 |  | Monthly | 33.53% | 33.54% | 33.54% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/21/2025 | 10/21/2025 |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.67 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79959102 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1690 | 11/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.403% |  | 9.125% | 9.125% | $907.78 | No | REDACTED | REDACTED | $484.68 | $40.39 | $4500.00 | $375.00 | $1037.23 | $2838.35 |  | N/A | REDACTED | REDACTED | $375.00 |  | Monthly | 31.51% | 31.43% | 31.43% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/23/2025 | 10/23/2025 | 10/23/2025 |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 55.69 | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70452938 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2090 | 11/10/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.284% |  | 8.250% | 8.250% | $5634.50 | No | REDACTED | REDACTED | $5566.20 | $463.85 | $0.00 | $0.00 | $3521.25 | $10770.65 |  | N/A |  |  | $0.00 |  |  | 35.12% | 35.12% | 35.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/10/2025 | 11/10/2025 |  |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 230469.90 | 21.4 | No | 57.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 79840025 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $1910.87 | No | REDACTED | REDACTED | $2711.04 | $225.92 | $0.00 | $0.00 | $1293.15 | $4033.60 |  | N/A |  |  | $0.00 |  |  | 41.50% | 41.50% | 41.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 11 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/30/2025 | 10/30/2025 |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31068.70 | 7.7 | No | 79.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71297585 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 11/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.127% |  | 10.125% | 10.125% | $3997.35 | No | REDACTED | REDACTED | $5256.96 | $438.08 | $1776.00 | $148.00 | $15735.25 | $22222.68 |  | N/A | REDACTED | REDACTED | $148.00 |  | Monthly | 39.59% | 40.61% | 40.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Separation Agreement Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 09/22/2025 | 09/22/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Consular Card |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 206816.04 | 9.3 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 71590691 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 11/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.172% |  | 7.875% | 7.875% | $787.42 | No | REDACTED | REDACTED | $1178.04 | $98.17 | $579.96 | $48.33 | $1453.00 | $2808.26 |  | N/A | REDACTED | REDACTED | $48.33 | 01/01/2026 | Monthly | 39.74% | 39.74% | 39.74% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | Work Number | No | 0 |  |  | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/13/2025 | 11/13/2025 | 11/13/2025 |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 40278.57 | 14.3 | No | 59.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | 70934919 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3000 | 11/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.186% |  | 8.625% | 8.625% | $583.34 | No | REDACTED | REDACTED | $1269.00 | $105.75 | $0.00 | $0.00 | $1862.14 | $2916.84 |  | N/A |  |  | $0.00 |  |  | 37.63% | 37.63% | 37.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 88 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/24/2025 | 10/24/2025 |  |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 66.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 76044339 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 10/02/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 15870 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.982% |  | 8.750% | 8.750% | $6686.95 | No | REDACTED | REDACTED | $6623.28 | $551.94 | $4152.00 | $346.00 | $4602.71 | $14435.81 | $30605.27 | N/A | REDACTED | REDACTED | $346.00 | 01/01/2026 | Monthly | 34.20% | 34.20% | 34.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 10/13/2025 | 10/13/2025 |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 78777061 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3285 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.666% |  | 8.000% | 8.000% | $610.60 | No | REDACTED | REDACTED | $1848.96 | $154.08 | $0.00 | $0.00 | $602.41 | $1923.26 |  | N/A |  |  | $0.00 |  |  | 49.92% | 49.90% | 49.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 53.62% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/25/2025 | 11/25/2025 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 33.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | 77331232 | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1413.55 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.267% |  | 8.000% | 8.000% | $623.91 | No | REDACTED | REDACTED | $891.96 | $74.33 | $17460.12 | $1455.01 | $1724.44 | $4109.45 |  | Yes | REDACTED | REDACTED | $1455.01 |  | Monthly | 49.84% | 49.08% | 49.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 34 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Other, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | 11/12/2025 | 11/12/2025 |  |  |  | 815 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.16 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.7 - Schedule 6**

---

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| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | 71031229 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72099373 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79698702 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72735251 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70643655 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75184418 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70621916 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 73067787 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77748085 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70785718 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79846109 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76330005 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79837714 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77414634 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70839826 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70831348 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79216054 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71464262 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74554265 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71359136 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79225441 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 77032013 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74823396 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | .0022 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78658448 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 74952517 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 75105710 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0066 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79916897 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77209510 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72785111 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 73053102 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77890199 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76621590 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79222211 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75751902 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Other |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73539739 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74053669 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79001879 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79408069 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74111905 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78722465 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76694829 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79632122 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77205598 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77082066 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72101366 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74028388 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77826370 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77824091 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72764168 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75658029 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 75243537 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | -.0247 | AVM |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0247 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | REDACTED | REDACTED |
| REDACTED |  | 75639641 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | -.0144 | AVM |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0144 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74008279 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79499559 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72073116 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73557589 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70256509 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 75184710 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0577 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71241195 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71872717 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70030443 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73260690 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 77859060 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70130169 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 72911133 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 72125562 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78919076 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79516113 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | .0020 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74806794 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78365126 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 74382352 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76025642 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73735561 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 2055 Exterior Only Inspection Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70813544 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76410902 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74011452 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 71874424 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76756771 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72944792 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73826024 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79669631 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74677393 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 72258315 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77886684 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71944275 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78945914 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79787880 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76895059 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79444147 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77524350 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71448116 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 70567970 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79798348 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 75783824 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 79157163 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73480053 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71120403 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76177658 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75995847 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79961122 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  | 0.0 |  |  |  |  | REDACTED | REDACTED | -.0000 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77159566 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 78528544 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 70597183 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71484415 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70912091 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76354690 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71955747 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78454814 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72468358 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 78507212 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79083410 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77841090 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75720603 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 75566452 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73399774 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 75383241 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 73694909 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 76149874 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 77854407 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 77392137 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 74138850 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71739954 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78580544 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 73214175 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 76047906 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 77736912 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78998269 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 70281256 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78099991 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78037908 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74243446 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 74722386 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72077813 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 78515459 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 75533668 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 79048000 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 76223204 | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 72311424 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71697976 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 71449019 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 79959102 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 70452938 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 79840025 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 71297585 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | 71590691 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | 70934919 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 76044339 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | 78777061 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | 77331232 | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)<br> **Exhibit 99.8**<br>![](ex998001.jpg) <br>

VSTA 2026-CES1<br>Vista Point Mortgage, LLC<br>

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300 <br>

**Executive Narrative**

**February 5, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For**

**Vista Point Mortgage, LLC**

The report summarizes the results of a due diligence review performed on a pool of 2 loans provided by Vista Point Mortgage, LLC ("Client") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed valuation, compliance and credit review of all loans.

As detailed herein, the pool contains 2 NQM loans that were all Closed End Seconds and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

Opus is not aware of the total sample size for the securitization, as its review was limited to only the portion of loans included in the securitization it examined. Throughout the securitization evaluation process, certain loans reviewed by Opus may have been removed from the securitization by the client for undisclosed reasons.

EXHIBIT A

**Closed End Second**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "Guidelines") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite
guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including
Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie
Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income
and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income
as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify
the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated
value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

 **a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

 **b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

 **c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third-party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard, and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"<sup>2</sup> disclosure requirements of
the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA")
and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material
provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R.

§§ 1026.17 et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the transaction date
and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from the rescission requirement
but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original creditor and the
borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that
is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining
any TILA violations, including
a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper
completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences
were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application
and seven (7) business days
prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the
TRID Rules. (If the file
reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and
10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and
disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least
 three (3) business days prior to
consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in accordance with the
TRID Rules. (Any fee tolerance
issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID Rule;

3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act:
Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability to Repay underwriting standards (12 C.F.R.
1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including
qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the

<sup>2</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;

8. The appraisal and valuation requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.35;

9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and
RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of RESPA, as implemented by Regulation X, 12 C.F.R 1024.17;

11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws
and ordinances, as amended, that have been enacted to regulate so-called "predatory lending":

12. Consultant shall confirm that any mortgage property located in an area identified on a flood
hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special flood hazards is subject
to a qualified flood insurance policy that appears to be is in effect.

13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence
that the primary purpose of the loan was for commercial or business purposes, including, but not limited to a business purpose
certification.

14. Documentation. Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing
agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if
the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day
mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates
with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file will be considered delivered based on the date issued,
subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain
one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any
delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender,
investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing
Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less
than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are
not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance
with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's
designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule
requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings
do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will
verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under
§ 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation
for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied
its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether
the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For loans for which applications were received prior to July 1, 2021, if a loan was designated
as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final
rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i),
(ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the file to confirm
agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature
or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending
on whether the QM was originated under the original general QM definition or the revised general QM definition effective March
1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant
then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage
rate, as recalculated, to the applicable average prime offer rate plus a certain

percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans only will focus on
the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan
file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation
at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the consumer will rely on to repay the
loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever
is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related
to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements
of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is
not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file
at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator,
judicial or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims

could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

**Equal Credit Opportunity Act (Regulation B)**

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was

communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

● Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

● Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101 et seq. .

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

● Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

● Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

● City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4- 155; 8-4-325.

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

● Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code §24-9-1 et seq.

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

● Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

● Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

● Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

● Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat § 45-702 et seq.

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

● New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

● North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24- 10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a), as amended from time to time.

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>lemen</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

● Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

● South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

● Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

● Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61-2c-102 et seq.

● Utah High-Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

● Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

● Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422; 6.1- 428.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

● West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17 et seq.

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high

level or critical warnings are reviewed and addressed.

**Independent Third-Party Values** 

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation Consultant des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation Consultant to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**<u>Pool Details</u>**

![](ex998002.jpg)

**<u>Tape Discrepancies</u>**

![](ex998003.jpg)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated February 5, 2026.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**DBRS, Kroll, and Moody's NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**DBRS, Kroll, and Moody's NRSRO Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Compliance Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**Fitch NRSRO Grade** | &nbsp;&nbsp;**# of**<br> **Loans** | &nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of** <br> **Loans** | <br>&nbsp;&nbsp;**% of** <br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | | |
| &nbsp;&nbsp;**S&P NRSRO Grade** | <br>&nbsp;&nbsp;**# of <br> Loans** | <br>&nbsp;&nbsp;**% of<br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Credit Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of** <br> **Loans** | &nbsp;&nbsp;**% of**<br> **Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| **Property Grade Summary** |  |  |
| &nbsp;&nbsp;**S&P NRSRO Grade** | &nbsp;&nbsp;**# of <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**<u>Loans Reviewed (2)</u>**

5614665 <br> 9845469

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Loan ID | Seller Loan ID | Investor Loan ID | Lender Application Date | Originator QM Status | Final QM Status | Originator QM Status Difference than Final QM Status? | Reason Why NonQM Final Status | APR Pricing Threshold Exceeded? | QM DTI Threshold Exceeded? | Higher Priced Mortgage Loan (HPML)? | Negatively Amortizing Loan? | Principal Deferment? | Interest Only Flag? | Prepayment Penalty? | Balloon Flag? | Adjustable Rate Balloon? | Loan Term Less Than 5 Years? | QM Points and Fees Threshold Exceeded? | QM Total Points and Fees | APR | ATR: Qualifying Payment Properly Considered? | ATR: Current Employment/Self-Employment Verified? | ATR: Balloon Qualifying Payment Properly Considered? | ATR: Reasonable Income or Assets Considered? | ATR: Subject PITIA Adequately Documented? | ATR: All Liabilities Including Alimony and Child Support in DTI? | ATR: Simultaneous Loan Calculated Properly | ATR: Credit History was Considered Properly? | ATR: Did Lender Document All ATR Factors? | ATR: Was an ATR/QM DTI/Residual Income Analysis Provided? | Residual Income | Residual Income Meets Guidelines? | Borrower 1 Employment Indicator | Borrower 2 Employment Indicator | Borrower 1 Foreign National Indicator | Borrower 2 Foreign National Indicator | Business Purpose Loan? | Business Purpose Verified? |
| 5614665 |  |  | 10-27-2025 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.922 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11635.48 | N/A | Employed |  | No |  | No |  |
| 9845469 |  |  | 11-10-2025 | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 10.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6513.02 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 5614665 |  |  | XXXX-XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value is updated from documents in the loan document. |
| 9845469 |  |  | XXXX-XXX | Qualifying CLTV | propertyValuationPage | 69.8 | 69.901 | Audit Value of 1st + 2nd lien / Qualifying Value |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 4**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **Moodys** |
| 5614665 |  |  | $XXX,XXX.XX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |
| 9845469 |  |  | $XXX,XXX.XX A | N/A | N/A C | N/A C | N/A | N/A C | N/A C |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 103 | 104 | 105 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 5614665 |  |  | Equity Solutions 30 Yr Fixed | Equity Solutions 30 Yr Fixed | XXXXXX | No | XXXXX Loan Eligibility Guidelines Equity Solutions | XXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | 11/12/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.922% |  | 8.500% | 8.500% | $1757.93 | No |  | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $0.00 | $0.00 | $XXXXXXX | $6335.35 | $XXXXXXX | N/A |  |  | $0.00 |  |  | 39.54% | 39.54% | 39.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | Closed End - Fixed |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | 02/02/2028 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| 9845469 |  |  | Equity Solutions 30 Yr Fixed | Equity Solutions 30 Yr Fixed | XXXXXX | No | XXX_Loan_Eligibility_Guidelines_Equity Solutions_20251202 | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 10.643% |  | 10.000% | 10.000% | $959.21 | No |  | $XXXXXXX | $XXXXXXX | $XXXXXXX | $XXXXXXX | $0.00 | $0.00 | $XXXXXXX | $3976.98 | $XXXXXXX | N/A |  |  | $0.00 |  |  | 45.03% | 45.03% | 45.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXX | WA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | WA | United States | 07/20/2026 |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |

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## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g_020926.htm)

**Exhibit 99.8 - Schedule 6**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 5614665 |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXX | 22.86 | 75.0 |  |  |  |  |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9845469 |  |  | XX/XX/XXXX | $XXXXXX |  | 0 | $XXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXX | 13.92 | 69.8 |  |  |  |  |  |  |  |  | .0 |  |  |  |  |  |  |  |  | 0.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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